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3Q 2022 Results Presentation

Balance Sheet Trends (2) | Financing growth across all lines of business Financing, Net (SARbn) +32.4% Movement in Financing (SARbn) +23.1% 557.5 23.3 36.9 7.4 0.9 557.5 452.8 421.0 15.9 1.1 107.9 15.9 14.5 43.6 70.9 0.3 65.5 452.8 0.3 340.6 365.7 425.2 3Q 21 4Q 21 3Q 22 4Q 21 Mortgage Other Retail Corporate SME ■Retail Corporate Financial institutions SME Financial institutions 3Q 22 Total Customers' Deposits (SARbn) Movement in Total Customers' Deposits (SARbn) +16.2% +8.5% 555.8 35.5 4.1 555.8 512.1 478.3 512.1 4.1 107.3 130.3 165.8 7.1 11.2 6.8 364.3 374.7 378.8 3Q 21 4Q 21 3Q 22 4Q 21 Demand Time Other 3Q 22 Demand deposits Other customer accounts Customers' time investments 3Q 2022 Results Presentation 7 8

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