3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | LIQUIDITY Liquidity remains strong and comfortably within regulatory limits ■ LCR declined by 25ppts during 9M 2023 to 171%. ■ NSFR moderated 6ppts to 116% as of 30 Sept. 2023. ■ The SAMA regulatory LTD ratio was within required levels at 84.0% as of 30 September 2023, while the headline ratio increased to 105.0%. Leverage ratio (%) 13.5% LCR & NSFR (%) 171% HQLA (SAR Bn) 42.4 البنك السعودي الفرنسي Banque Saudi Fransi +12% 201% 194% 196% 200% 185% 180% 119% 116% 122% 113% 119% 116% 171% о 116% 42.4 39.5 40.5 38.6 37.7 38.5 38.1 +11% QoQ 1Q 22 2Q 22 3Q 22 NSFR 4Q 22 1Q 23 2Q 23 3Q 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 -O-LCR LTD Ratios (%) 84.0% 105.3% 105.0% 101.3% 101.1% 100.4% 100.9% 15.6% 98.4% 15.0% 15.1% 14.5% 14.4% 13.8% 13.5% ° 84.9% 83.4% 83.4% 83.3% 84.0% 80.9% 82.0% Available Stable Funding (SAR Bn) 156.3 +2% 146.1 147.4 146.4 153.1 156.0 155.8 156.3 +0% QoQ 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 -O-Headline LTD Ratio 2Q 23 -O-LTD SAMA ratio 3Q 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 | 40

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