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FY20/21 Investor Presentation

Expenses Trends | Cost efficiencies resulted in higher positive jaws Operating Expenses (SARmn) +1.6% 1,763 1,652 1,730 1,754 1,791 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 Cost To Income Ratio (%) 32.5% 27.8% 27.5% 27.2% 26.9% Operating Expenses Growth Drivers By Type (SARmn) +2.7% 155 24 6,742 60 6,927 FY 20 Salaries & Benefits Depreciation Other G&A expenses FY 21 Cost to Income Ratio Drivers (%) 32.5% -5.6 ppt 0.6% 0.0% 26.9% -4.4% -1.9% 0.1% FY 20 1Q 21 1H 21 9M 21 FY 21 FY 20 Yield Income Non-Yield Income Staff Depreciation G&A FY 21 FY20 21 Investor Presentation 34 8

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