Investor Presentaiton

KSA Banking Sector Profile / Strategy / Sustainability / Environment / Financials / Appendix The Saudi banking sector is attractively positioned for growth Bank Credit (SARbn) YoY +13% CAGR Bank Deposits (SARbn) +8% CAGR 2,544 2,349 2,455 2,295 2,059 2,104 1,943 1,783 1,443 1,552 1,674 1,796 +8% +15% +16% +14% +8% YOY +7% +8% +8% +9% +7% 2018 2019 2020 2021 2022 3Q-23 2018 2019 2020 2021 2022 3Q-23 Capitalization (%) Liquidity Metrics (%) NPL Ratio (%) 20.3% 20.3% 19.9% 19.9% 102.3% 103.6% 19.3% 19.5% 97.9% 2.2% 91.7% 86.2% 86.4% 2.0% 18.7% 1.9% 1.9% 18.5% 1.8% 18.2% 18.4% 18.0% 1.6% 16.0% 22.3% 25.4% 26.8% 24.7% 22.8% 21.6% Profitability (%) 13.8% 12.1% 12.5% 12.9% 10.8% 8.6% 2.1% 2.1% 1.5% 1.8% 2.1% 2.2% 2018 2019 2020 2021 2022 3Q-23 2018 CAR T1 ratio 2019 2020 2021 Liquid to total assets 2022 3Q-23 Headline LDR 2018 2019 2020 2021 2022 3Q-23 2018 2019 2020 ROA 2021 2022 3Q-23 ROE Riyad Bank - Investor Presentation - 30/09/23 Sources: SAMA, Bank financial statements General Business 21

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