Investor Presentaiton

Income Statement Highlights Net income rose 9% YoY from higher operating income and lower risk cost SNB SAR (mn) NSCI¹ 9M 2023 9M 2022 Δ 3Q 2023 3Q 2022 A Net Income (SARmn) +6% Fee & other income Total operating income Operating expenses² Impairments 20,122 19,510 +3% 5,843 5,376 +9% 25,965 24,886 +4% 6,820 1,917 6,578 +4% 1,870 +3% 4,725 4,765 5,022 5,016 5,010 8,737 8,448 +3% Income from operations Other non-op. expenses (399) (7,812) (7,421) +5% (492) (1,519) -68% 17,661 15,946 +11% (74) +438% (2,762) (2,431) +14% 77 6,052 (379) (541) -114% 5,477 +11% (70) +442% QoQ +1% +5% -0% -0% 3Q 22 4Q 22 1Q 23 20 23 3Q 23 Net income before zakat & tax 17,262 15,872 +9% 5,673 5,407 +5% Zakat & tax (2,088) Net income after zakat & tax 15,174 NCI (128) Net income 15,047 (1,934) +8% 13,938 +9% (122) +4% 13,815 +9% (716) 4,957 53 5,010 (646) +11% 4,761 +4% (36) -246% 4,725 +6% Returns YTD (%) 2023 Guidance ROTE: 16.5% to 17.5% 17.4% 17.3% 17.5% 16.6% 16.8% o EPS ROTE 2.42 17.5% 2.25 +8% 16.8% +0.7ppt NSCI Margin 3.07% Cost to income ratio 27.7% Cost of risk 0.12% 3.13% -6bps 27.2% +47bps 0.39% -28bps 0.80 0.76 +5% 17.1% 17.3% -0.2ppt 3.01% 3.07% -6bps 29.3% 26.3% +292bps -0.05% 2.05% 0.42% -47bps SNB | 3Q 2023 | Investor Presentation 2.09% 2.18% 2.16% 2.12% 9M 22 FY 22 1Q 23 1H 23 9M 23 --ROTE -ROTA 1 NSCI includes FV unwind of SAR 351mn (9M 22: SAR 774mn) | 2 Operating expenses exclude amortization of intangibles of SAR 615mn (9M 22: SAR 640mn) 29

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