Investor Presentation

Segments Summary Profile / Strategy / Sustainability / Environment / Financials / Appendix Rising net income driven mainly by Corporate segment and Treasury and Investments, partly offset by Retail and Riyad Capital Net Loans & Advances Movement YTD (SARbn) +10% 7.5 0.0 267.2 17.3 242.4 +11% 4Q-22 Corporate +8% Retail +7% Other 3Q-23 Total Operating Income Movement YoY (SARmn) 1,686 9,857 (74) +21% 608 11,967 (111) Deposits Movement YTD (SARbn) 7.7 240.0 +6% 7.1 254.7 +5% +7% 4Q-22 Corporate Retail 3Q-23 Net Income before Zakat Movement YoY (SARmn) 5,593 953 (458) +21% 820 6,792 (116) 9M-22 +36% Corporate -2% Retail +47% -15% Treasury and Investments Riyad Capital 9M-23 9M-22 +28% Corporate -57% Retail +94% -23% Treasury and Investments Riyad Capital 9M-23 Riyad Bank - Investor Presentation - 30/09/23 General Business 41

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