Investor Presentaiton

Corporate SAR Million 3Q 2023 3Q 2022 A 9M 2023 9M 2022 Δ Net Income Before Zakat Movement YoY (SARMn) Net Special Commission Income 328 302 +9% 939 732 +28% -12% Fee & other income 55 54 +1% 149 143 +4% 207 5 Total operating income 382 356 +7% 1,088 875 +24% 818 718 (31) Operating expenses (72) (67) +7% (220) (189) +17% (281) Provision for credit and other losses (43) 174 -124% (149) 132 -213% 9M 22 NSCI Net income before zakat 268 463 -42% 718 818 Fee & other Operating income Expenses Impairments 9M 23 -12% Loans & Advances (SARbn) Deposits (SARbn) Net Income Before Zakat (SARmn) +23% -19% 52.5 55.5 58.3 10.9 463 10.2 47.3 9.3 43.1 7.8 8.2 -42% 268 216 235 79 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 The Saudi Investment Bank - 3Q 2023 Investor Presentation P. 41

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