Investor Presentaiton

Investments grew 16% YTD driven by debt securities 96% of investments were fixed rate debt securities as of 9M 2023 61% of investments were accounted for at fair value through other comprehensive income and 38% at amortized cost High-grade investment portfolio with 60% of investment securities issued by government, 26% by banks and other financial institutions Increase in investments during 9M 2023 was mainly driven by new securities to lock-in and benefit from high rate environment (mainly in fixed-rate debt securities issued by international financial institutions) Investments, Gross by type (%) 3%1 1% Fixed rate securities ☐ Floating rate securities Funds & equity Investments (SARbn) +16% 31.7 32.8 30.1 26.9 28.2 Investments by accounting classification (%) 1% 0% Debt securities - Amortized cost Debt securities - FVOCI 61% ☐ Equity securities - FVOCI 96% FVTPL Investments (SARbn) 38% Government & quasi-government Corporate Banks & other financial institutions +16% 30.1 31.7 32.8 26.9 28.2 7.9 8.5 4.8 7.3 5.5 4.5 4.7 4.4 4.8 4.3 18.9 18.1 19.5 19.5 17.1 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 The Saudi Investment Bank - 3Q 2023 Investor Presentation P. 28

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