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Investor Presentaiton

Fee & Other Income Fee and other income increased 9% YoY from higher international income, partially offset by lower fees generated domestically SNB Fee & Other Income (SARmn) Fee & Other Income Movement YoY (SARmn) 1,953 1,973 1,870 1,917 +9% 1,342 760 680 747 894 5,843 792 5,376 343 493 526 509 488 348 (123) (24) (63) (217) 852 949 1,037 1,078 1,017 QoQ -28% +46% +1% -3% (261) 30 22 (299) 4Q 22 (336) 1Q 23 (312) (355) -5% Domestic: SAR -427mn (-9%) -2% -3% +26% +186% 2Q 23 3Q 23 9M 22 ■Banking services Fee Income From Banking Services, Net Composition (%) FX ■Inv.-related ■ Other¹ Fee income from banking services FX Inv.-related Other Int'l 9M 23 Fee Income From Banking Services, Net Movement YoY (SARmn) Capital Markets 31.7% Wholesale 25.5% SNB | 3Q 2023 | Investor Presentation Int'l 18.9% Retail 23.9% 500 3,131 2,755 91 20 (35) (85) (115) -9% -12% Domestic: SAR -123mn (-5%) -15% +5% +24% +535% 9M 22 Brokerage Inv. Mgt. Financing & cards Trade finance Other Int'l 9M 23 1 Other is "Other operating income (expense), net" as per the Financial Statements 32 22

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