Investor Presentation

Liquidity Profile / Strategy / Sustainability / Environment / Financials / Appendix Comfortable liquidity position with LCR of 168.8% and SAMA Weighted LDR of 82.0% LCR and NSFR remain healthy and well above the regulatory requirement standing at 168.8% and 113.5%, respectively as of 30 September 2023. Basel III Leverage ratio stands comfortably at 12.1% in 3Q 2023. ◆ Although headline loans to deposits ratio reached to 104.9% in 3Q 2023, SAMA weighted LDR at 82.0% is comfortably below the regulatory requirement. Basel III Leverage Ratio (%) Available Stable Funding (SARbn,%) Loans to Deposits Ratios (%) 104.9% 102.4% ♦ 101.0% 12.8% 97.9% ◆ 96.7% 12.1% 12.1% 11.7% 11.8% 81.8% ♦ 80.5% ◆ 82.0% ◆ 78.4% ◆ 78.1% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 Headline LDR 1Q 23 2Q 23 SAMA weighted LDR 3Q 23 117.5% 118.1% 117.4% 117.7% 113.5% 233.5 239.1 244.9 256.1 253.1 HQLA (SARbn,%) 187.5% 182.0% 180.9% 168.8% 165.0% 71.6 59.8 55.9 55.6 53.8 QoQ +2% +2% +5% -1% QoQ -22% -1% +7% -10% 3Q-22 4Q-22 1Q-23 Available stable funding 2Q-23 3Q-23 3Q-22 4Q-22 1Q-23 2Q-23 3Q-23 HQLA LCR -NSFR Riyad Bank - Investor Presentation - 30/09/23 General Business 30

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