PitchSend

3Q 2022 Results Presentation

Expenses Trends | Cost efficiencies resulted in higher positive jaws Operating Expenses (SARmn) +6.1% 1,754 1,791 1,769 1,820 1,861 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 Cost To Income Ratio (%) 27.2% 26.9% 25.4% 25.4% 25.6% Operating Expenses Growth Drivers By Type (SARmn) +6.1% 129 219 5,136 5,450 (34) 9M 21 Salaries & Benefits Depreciation Other G&A expenses 9M 22 Cost to Income Ratio Drivers (%) 27.2% -1.9% -1.1% -1.7 ppt 0.6% 1.0% 25.6% -0.2% 9M 21 FY 21 1Q 22 1H 22 9M 22 9M 21 Yield Income Non-Yield Income Staff Depreciation G&A 9M 22 3Q 2022 Results Presentation 10 8

View entire presentation