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Investor Presentation

Profile / Strategy / Sustainability / Environment / Financials / Appendix Global Economy Global recovery is expected to slowly pick up in 2024 Global growth has bottomed out in 2023. The expectation in October that 2024 will grow at 3.2%. Prices have also responded to monetary tightening. However, it will be slower than anticipated in the coming years. Global growth is still below the historical average of 3.8% with slight improvement next year. Global Inflation expectations have shifted from April to Oct. Higher inflation rates may last longer than initially anticipated. Economic Outlook (%) Inflation Expectations (%) 3.0 3.0 2.9 -3.2 1.8 2.1 1.5 1.8 5.2 4.5 5.0 4.2 1.9 2.8 4.0 7.0 4.9 3.93.6 6.9 5.8 4.6 4.2 4.7 2.6 4.6 3.0 2.22.0 2.11.9 Hanli uma July World Oct 1.0 0.9 1.5 0.7 0.8 July Oct July Oct July Oct July Oct April Oct April US Euro Area China Saudi Arabia World 2023 ■2024 Advanced 2023 2024 2025 2026 Global PMI Sep-23 49.1 +0.6% Jun-23 Fed Funds (%) Upper 48.8 5.50 Riyad Bank - Investor Presentation - 30/09/23 25bps Lower USD Index Sep-23 5.25 106.2 Sources: FRED, GASTAT, Riyad Bank 8.6 8.5 7.8 6.5 6.2 5.7 5.2 4.7 Oct April Oct Emerging +3.2% Jun-23 3M SOFR (%) Sep-23 +25bps Jun-23 10y Treasury Yield Sep-23 +70bps Jun-23 Brent Oil ($/b) Sep-23 +22.3% Jun-23 102.9 5.31 5.06 4.50 3.80 92.20 75.41 General Business 18
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