Investor Presentaiton

Retail Robust 16% net income growth YoY on NSCI growth and positive "jaws" SNB SAR (mn) Total assets Financing and advances, net Total liabilities Customers' deposits 30 2023 20 2023 A 400,982 395,897 +1% 315,573 308,082 +2% 361,828 358,303 +1% 349,179 347,892 +0% 30 2023 40 2022 Δ 400,982 380,314 +5% 315,573 293,430 +8% 361,828 343,086 +5% 349,179 331,223 +5% Net Income Before Zakat & Tax Movement YoY (SARmn) +16% 1,510 15 5,719 (430) 6,647 (118) (48) Operating Income SAR +1,079 (+10%) +15% -59% -0% +31% -169% 9M 2023 9M 2022 A Net special commission income Fee & other income 296 Total operating income Operating expenses Impairments (494) 11,740 10,230 +15% 726 -59% 12,036 10,957 +10% (4,875) (4,889) -0% (376) +31% 3Q 2023 3Q 2022 3,984 3,522 A 9M 22 NSCI +13% Fee & other income Expenses Impairments Other income (expenses) 9M 23 22 218 -90% 4,006 3,739 (1,649) +7% Financing & Advances (SARbn) (1,611) +2% +8% (127) Other income (expenses) (19) 28 -169% 2 Net income before zakat & tax 6,647 5,719 +16% 2,233 (13) 2,041 (75) +69% -117% 293.4 308.1 315.6 Customers' Deposits (SARbn) +5% 331.2 347.9 349.2 +9% +2% QoQ +0% QoQ Cost to income ratio 40.5% 44.6% -412bps 41.2% 43.1% -192bps 4Q 22 2Q 23 3Q 23 4Q 22 2Q 23 3Q 23 Cost of risk 0.22% 0.18% +4bps 0.16% 0.10% +6bps | |- SNB | 3Q 2023 | Investor Presentation 40

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