Investor Presentaiton

LDR has increased for the top ten banks indicating an aggressive lending stance Loans to Deposits Ratio (%) 110 105 بنك البلاد 100 Bank Albilad 95 95 90 البنك السعودي للاستثمار The Saudi Investment Bank 85 55 80 60 75 70 70 0 100 البنك السعودي الفرنسي Banque Fransi مصرف الإنماء alinma bank بنك الجزيرة BANK ALJAZIRA 200 العربي anb Note: The green zone is an area of healthy liquidity Source: Financial statements, A&M analysis بنك الرياض riyad bank ساب SABB مصرف الراجحي Al Rajhi Bank 300 400 500 600 700 800 7 2020 2020 Av 2021 2021 Av 91.5 SNB 86.0 900 1000 Total Asset (SAR Bn) KEY TAKEAWAYS Aggregate LDR has increased by 5.6% points YoY at 91.5% in 2021 • All the banks reported an expansion in LDR, owing to the increase in loans across all the banks • ALINMA reported the highest increase in LDR (+11.2% points YoY) followed by SABB (+8.7% points YoY) ALVAREZ & MARSAL

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