Investor Presentaiton

We have identified key areas for improvement and are addressing them... Further Upside - Cost Efficiency from Digitization of Branches Total assets per branch (2Q23, SARM) 2,423 SAIB 2,084 KSA Average Room for Improvement - product penetration vs. KSA average Average Products per Customer (FY22) 1.9 3.0 Significant opportunity to improve the NIBD ratio NIBD % of Total Deposits (2Q23, %) 40% SAIB 54% KSA Average SAIB deployment of new customer coverage and digital channels to improve CIR Cost/Income Ratio (1H23, %) 42.4% 35.8% SAIB Average Products DM Average Products SAIB KSA Average per Customer per Customer The Saudi Investment Bank - 3Q 2023 Earnings Presentation P. 8.

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