Investor Presentaiton

...and a real focus on building on market opportunities Corporate banking is still underpenetrated in KSA with... Saudi Arabia Credit to GDP 63% by 2025 21% 63% 1996 2000 2004 2008 2012 2016 2020 2024 The Saudi Investment Bank - 3Q 2023 Investor Presentation ...ample room to grow - SAIB market shares have upside from today SAIB Market Share by Corporate Loans (FY22, %) Large & Medium Corporate Medium Enterprises Small Enterprises 1.50% Micro Enterprises 2.20% 3.40% 3.40% P. 13

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