3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | LOANS AND ADVANCES Healthy and balanced 10% loan growth during 9M 2023 Total Loans & Advances (SAR Bn) 174.7 +10% 169.7 174.7 159.0 30.4 31.6 29.5 129.5 139.3 143.1 +3% QoQ Commercial Loans Movement YTD (SAR Bn) 143.1 +11% 3.8 1.7 0.7 7.9 129.5 (0.5) (0.5) Commercial 0.5 143.1 81.9% 4Q 22 2Q 23 3Q 23 Commercial Commerce Services Financials Manufacturing Agriculture Contracting Other Commercial 4Q 22 3Q 23 ■Commercial Consumer Other 22.7% ■ Total loans & advances grew 10% during 9M 2023 from both consumer and commercial lending growth. Commercial loans grew 11% during 9M 2023, which was broad-based across sectors. ■ Consumer loans grew 7% YTD mainly from growth in mortgages (+3%), personal loans (+11%) and auto loans (+10%). Consumer Loans Movement YTD (SAR Bn) Utilities 9.7% 31.6 Contracting 11.4% +7% 1.1 29.5 0.5 0.4 0.1 31.6 Auto loans 14.7% البنك السعودي الفرنسي Banque Saudi Fransi Loans & Advances Composition (SAR Mn) 174,681 Consumer 18.1% Commercial Loans Composition (SAR Mn) 143,099 Commerce 25.9% Services 16.4% Manufacturing 14.0% Consumer Loans Composition +3% +11% +10% +15% Consumer 4Q 22 Mortgages Personal loans Auto loans Credit Cards Consumer 3Q 23 Personal loans 34.6% (SAR Mn) 31,582 Credit Cards 2.1% Mortgages 48.7% | 28

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