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Investor Presentaiton

Financing & Advances Solid, broad-based financing expansion Financing & Advances, Net (SARbn) QoQ 536.2 545.3 566.3 577.8 595.7 2 17 2 17 19 129 2 16 26 16 228 233 243 252 262 289 293 303 308 316 +2% +4% +2% +3% 3Q 22 4Q 22 1Q 23 20 23 3Q 23 ■Retail Wholesale ■Int'l ■ Other Mortgages (SARbn) +10% 138.2 142.4 148.1 151.7 156.3 LLLLI +4% QoQ 3Q 22 4Q 22 1Q 23 20 23 3Q 23 SNB | 3Q 2023 | Investor Presentation SNB Financing & Advances, Net Movement YTD (SARbn) +9% 2023 Guidance Low double-digit 21.9 8.3 13.9 545.3 7.4 595.7 (0.8) (0.2) Retail SAR +22.2bn (+8%) Wholesale SAR +29.2bn (+13%) +10% +5% +10% +36% -5% -7% 4Q 22 Mortgages Others Corporate Fl Int'l Other 3Q 23 Financing & Advances, Net Composition (%) Corporate 39.3% Retail 53.0% о Financing & Advances, Net by Sector (%) Manufacturing 7.8% Other 0.4% Commerce 11.7% Int'l 2.7% FI 4.7% Utilities & health 6.9% Banking & Consumer 53.0% financials 4.5% Transport & comms 3.7% - Building & construction 2.6% Other 9.8% 26

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