Investor Presentaiton

We aim to grow market share, increase fee income and improve efficiency to drive higher ROTE Grow Market Share in Corporate Loans Corporate KSA Market Share 5.3% 4.2% 4.2% 2022A 1H 23A 2027E Improve Funding Costs NIBD Share of Deposits 45% 37% Grow Market Share in Retail Loans Retail KSA Market Share SAIB has already started to close the gap towards KSA peers' return on equity 1.3% Return on Tangible Equity 1.0% 1.0% 2022A 1H 23A 2027E Improve Efficiency Cost / Income Ratio 50% 44% 42% 41% 2022A 3Q 23A 2027E The Saudi Investment Bank - 2Q 2023 Investor Presentationn 2022A 9M 23A 2027E 1.0% 7.0% 6.9% 9.9% 13.0% 12.7% 12.2% 2019 2020 2021 2022 9M 23 KSA 2027 Peers Target Average 1H 23 Return on Tangible Equity Target, 2027E 12.7% Return on Tangible Equity is calculated using net income attributable to shareholders in the numerator, after deducting Tier 1 Sukuk costs | KSA Peers include SAB, BSF and ARNB P. 22

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