3Q 2023 Financial Performance

STRATEGY | CONTEXT We are refocusing and simplifying our existing strategy for an evolving external environment and an optimized internal structure 2019 ■ Sudden rate declines ■ Covid-19 ■Increased digital adoption Rising rate environment ■ Historic increase in levels of inflation Geopolitical tensions Recessionary fears ■ Accelerating Vision 2030 strategic investments 2020 2021 BSF Management Changes 2022 البنك السعودي الفرنسي Banque Saudi Fransi 2023 2024 2025 5-year 'LEAP' Comprehensive strategy to re- imagine and modernize the bank; comprising 163 strategic initiatives and targeted at growing market share Strategy Refresh Strategy refresh with 102 initiatives to align to post- Covid market realities, growing with market in core segments while improving operating model and digital propositions Strategy Refocus Refocused and simplified strategy to 10 key focus areas, accounting for an evolving market, focusing on our core strengths, including SFL and SFC for the first time, and with balanced targets on profitability and market share |12

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