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Investor Presentaiton

NSCI & Margin NSCI growth of 3% from earning assets expansion partly offset by margin moderation from shift in funding mix Net Special Commission Income Movement YoY (SARmn) +3% +6% 2,593 6,809 19,510 2,542 18,736 (774) 19,771 351 20,122 (10,567) (344) +27% 9M 22 FV unwind Adjusted NSCI Retail financing Domestic: SAR +1,378mn (+8%) +112% +55% Wholesale Inv. & financing placements +339% -24% CoF Int'l Adjusted NSCI FV unwind 9M 23 Special Commission Income (SARmn) +47% Special Commission Expense (SARmn) +166% SNB Net Special Commission Income Composition (%) Wholesale 34.4% о Capital Markets 1.3% Int'l 5.9% Retail 58.3% NSCI (SARMn) +4% 13,137 10,251 11,117 11,930 8,955 6,317 6,578 6,776 6,778 6,524 6,820 5,406 4,339 3,475 2,378 QoQ +14% +8% +7% +10% QoQ +46% +25% 3Q 22 4Q 22 1Q 23 20 23 3Q 23 3Q 22 4Q 22 1Q 23 20 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 LLI +25% +17% ILLLI -4% +5% 3Q 23 SNB | 3Q 2023 | Investor Presentation 30

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