Investor Presentaiton slide image

Investor Presentaiton

NSCI growth of 29% YoY on 19% growth in earning assets and a 24bps NIM expansion NSCI growth of 29% YoY was underpinned by 19% growth in average earnings assets as well as NIM expansion of 24 bps reflecting higher asset yield from increased benchmark rates NIM NIM -- Asset yield --COF Average Earning Assets (SARbn) 3.07% ▲ Consumer loans Corporate & other loans ☐ Investments 6.07% 6.23% Asset yield increased by 2.55 ppts YoY to 6.37% in 9M 2023 while of cost of funding increased by 2.53 ppts to 3.63% 6.37% 107.4 SAMA & bank placements 110.3 112.9 95.2 96.8 4.20% 6.1 6.9 6.6 5.9 6.0 3.82% 3.23% 3.44% NIM also increased by 24bps YoY in to 3.07% in 9M 2023, however it declined by 5bps QoQ due to the shift in the deposit mix 2.83% 3.63% 3.07% 29.4 29.8 30.8 28.4 28.3 2.92% 3.18% 3.12% 1.10% 1.42% 50.7 52.1 61.5 63.3 65.4 10.3 10.5 10.3 10.2 10.2 9M 22 FY 22 1Q 23 1H 23 9M 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 NSCI Movement YoY (SARmn) NIM Movement YoY +24bps▲ +29% 471 221 42 1,930 0.42% +24bps 0.25% 1.90% 2,592 2.83% 3.07% 2,017 (2,087) -0.02% -2.32% 9M 22Corporate & other loamsestments SAMA & bank placements Consumer loans COF 9M 23 9M 22 Corporate & other loans Inv. SAMA & Consumer bank placements loans COF 9M 23 The Saudi Investment Bank - 3Q 2023 Investor Presentation P. 31
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