Investor Presentaiton

Balance Sheet Summary Profile / Strategy / Sustainability / Environment / Financials / Appendix Total assets increased by 5% YTD driven by the expansion of the loan portfolio, funded by customer deposits Total assets amounted to SAR 377 bn as of 30 September 2023, up 5% YTD on the back of the 10% loans and advances growth, funded by the 6% growth of customer deposits. On a quarterly basis total assets decreased by 3% due to a reduction in cash, SAMA and interbank balances partially offset by loan growth. Total Assets Movement YTD (SARbn) +5% 24.8 2.3 377.0 5.7 359.7 SAR (mn) 3Q-2023 2Q-2023 QoQ % Change 3Q-2022 YoY % Change (6.8) (8.6) Cash & balances with SAMA, net 26,609 37,221 -29% Due from banks, net 12,004 22,092 -46% Investments, net Loans & advances, net Other assets. net Total assets 57,882 56,388 Interbank Deposits 267,151 13,365 377,012 34,048 254,719 263,150 +3% +2% 23,782 20,202 53,246 241,586 +12% -41% +9% +11% -20% 4Q-22 -42% Cash & Due from balances with banks, net SAMA, net +11% Investments, net +10% Loans & advances, net +20% Other assets, 3Q-23 net 10,385 389,236 +29% 9,065 +47% -3% 347,881 34,129 272,269 -0% -6% 38,347 235,892 Debt securities 13,201 8,768 +51% 8,672 +8% -11% +8% +52% Total Liabilities Movement YTD (SARbn) +5% Other liabilities, net 17,599 16,378 +7% 15,375 +14% Total liabilities 319,567 331,545 -4% 298,286 +7% 14.7 1.6 319.6 4.4 303.5 Share capital 30,000 30,000 +0% 30,000 Reserves 9,498 9,781 -3% 7,479 +0% +27% (4.7) Retained earnings 11,384 11,347 +0% 9,297 +22% Equity attributable to shareholders 50,881 51,128 -0% 46,776 Tier 1 sukuk 6,563 6,563 -0% 2,819 Total equity 57,444 57,691 -0% 49,595 +9% +133% +16% 4Q-22 -12% Interbank +6% Deposits +51% Debt securities Other liabilities, net +10% 3Q-23 Riyad Bank - Investor Presentation - 30/09/23 General Business 24

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