Investor Presentaiton

Net Special Commission Margin Profile / Strategy / Sustainability / Environment / Financials / Appendix Improved margin from year-end as rising loan yields outpacing the increasing cost of funds Net special commission margin improved by 63bps to 3.64% for 9M 2023 mainly from the increasing loan yields, partially offset by the increasing cost of funds. ◆ Quarterly net special commission margin improved by 37bps to 3.53% for 3Q 2023, however declining from 2Q 2023 by 7bps due to increasing cost of funds as well as declining share of NIBDs. Average earning assets increased by 7% YoY to SAR 340.9 bn for the 9M 2023. YTD NSCI margin (%) NSCI Margin Movement YoY (%) 1.80% 0.25% 3.01% +0.63% 0.15% - -1.57% 9M-22 Loans & advances SAMA & interbank placements Investments CoF Quarterly NSCI Margin and SAIBOR Trend (%) 5.68% 5.77% 5.88% 6.08% 5.83% 5.28% 5.49% - 4.00% 3.68% 3.01% 3.11% 3.79% 3.69% 3.64% - 3.41% 2.43% 2.62% 2.22% 3.16% 3.1'4% 1.03% 0.78% - Average Earning Assets (SARbn) 320.0 3.79% 3.60% - 3.53% 9M 22 FY 22 1Q 23 NSCI margin 1H 23 Yield 9M 23 3Q 22 CoF 4Q 22 1Q 23 2Q 23 3Q 23 SAIBOR 3M avg NSCI margin Riyad Bank - Investor Presentation - 30/09/23 51.4 30.4 +7% 3.64% 9M-23 Average Bearing Liabilities (SARbn) +6% 340.9 292.3 276.3 9.8 56.0 8.6 34.5 25.3 42.8 32% 89.2 41% 119.6 259.5 238.1 74% 76% 9M-22 9M-23 ■Loans SAMA & bank placements Investments 135.7 128.4 49% 44% NIBD 9M-22 IBD 9M-23 Due to banks Debt securities General Business 35

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