3Q 2023 Financial Performance

PERFORMANCE TRACK RECORD Income Statement Metrics Operating Income (SAR Mn) 8,017 +4% Net Interest Margin (%) 3.06% البنك السعودي الفرنسي Banque Saudi Fransi Cost To Income Ratio (%) Cost Of Risk (%) 33.1% 3.04% 2.85% 2.97% 3.02% 3.06% 33.7% ° 33.3% 33.6% 34.3% 33.1% 8,017 6,799 6,873 7,045 7,128 +12% YoY 0.85% 2.07% 0.72% 0.79% 0.85% Q.67% 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 Net Income Before Zakat (SAR Mn) 4,004 +5% 3,619 3,307 2,010 3,837 4,004 1,403 +4% YOY Net Income (SAR Mn) 3,575 +26% 3,115 1,546 9.66% Returns (%) 9.24% 1.94% 1.75% 8.80% 9.24% 3,450 3,575 4.43% 4.47% +4% YoY 1.67% 1.66% 1.58% 0.74% 0.80% 0.74% 2018 2019 2020 2021 2022 2018 2019 2018 2019 2020 2021 2020 2021 2022 2022 2018 -O-ROAA -O-ROAE ROAA (%) 1.58% 1.85% 1.77% 1.67% 1.66% 1.04% 1.58% 2019 0.80% 2020 2021 2022 -O-ROAA -O-ROAA - before zakat 151

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