Investor Presentaiton

Growth momentum sustained in 9M 2023 demonstrating solid progress Loans +16% YTD Deposits +23% YTD SAR 80.2 bn ▲ SAR 85.5 bn A 9M 2023 Operating Income +26% YoY 9M 2023 Net Income +14% YoY SAR 2,954 mn SAR 1,314 mn ▲ Loan growth of 16% YTD driven by corporate segment while deposits grew 23% YTD on higher time deposits Double digit growth in operating income underpinned by 19% YTD growth in assets and higher profit margins Maintained cost discipline with cost to income ratio declining to 41.7% Return on tangible equity at 12.2%, maintains an upwards trajectory Asset quality continued to improve with NPL ratio declining by 9bps to 1.48% with NPL coverage ratio at 169% Strong capital ratios with T1 ratio at 18.6% Solid liquidity position with LCR of 202% and SAMA LTD at 74.4% Net Income (SARMn) SAR 462 mn -16% 9M 2023 ROTE +151 bps YoY 12.2% 550 444 462 409 350 3Q 2023 T1 Ratio 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 +1.0 ppt YTD 18.6% The Saudi Investment Bank - 3Q 2023 Earnings Presentation Return on Tangible Equity calculated using net income attributable to shareholders in the numerator, after deducting Tier 1 Sukuk costs 3Q 2023 NPL -9 bps YTD 1.48% 3Q 2023 LCR -18.3 ppt YTD 201.6% ▼ P. 3

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