Investor Presentaiton

Strategic priorities for out core segments and enablers Core 1 Segments Corporate Banking Public Institutions Private Banking Consumer Banking Key Strategic Priorities Key Strategic Objectives • Serve large corporates and mid-market through differentiated coverage Enhance cross-sell and industry focus Improve digital platform and products Digitize credit, trade finance, account opening and servicing • Increase coverage for prioritized customer segments Implement target public institution organization Introduce B2B, mobile and priority services for high value clients Digitize account opening and maintenance • Increase focus on high value private banking customers Elevate private banking organization Introduce new products and services, revamp investment offerings Digitize credit, onboarding and account maintenance Segregate coverage of affluent and mass affluent Introduce dedicated branches for corporate, affluent and private banking Develop and launch new digital app, new products and services Digitize credit, onboarding and account maintenance Revisit segmentation and coverage Redesign the 56 operating model Revamp value proposition Streamline and automate key processes Key Enablers Support strategy through مممم The Saudi Investment Bank - 3Q 2023 Investor Presentation Treasury Optimal risk- return investments, funding, and prudent capital management IT/Digital Strengthen digital and analytics capabilities Human Resources Enhance organization effectiveness and culture Risk Enhance enterprise risk management and capabilities P. 16

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