Investor Presentaiton

Outlook & Guidance Modest offsetting guidance revisions for COR and CIR leave ROE expectations unchanged Macro-Economic Outlook¹ Real GDP Growth +0.03% o/w Non-oil GDP Growth +5.9% SNB SNB Financial Guidance FY 2022 Baseline 9M 2023 Actual FY 2023 Guidance Status Financing Growth SAR 545Bn NSCI Margin Fiscal Balance -2.0% +9% Low double-digit Unchanged 3.15% 3.07% 3.0% to 3.2% Unchanged Cost to Income Ratio² 27.1% 27.7% Below 28.5% Downgraded US FFR 5.25 to 5.5% Cost of Risk 0.33% 0.12% 0.1% to 0.3% Upgraded Inflation 2.6% Tier 1 CAR 18.3% 18.4% 18% to 19% Unchanged Avg Brent Oil Price USD 82/bbl ROTE SNB | 3Q 2023 | Investor Presentation 16.6% 17.5% 16.5% to 17.5% Unchanged 1 Macroeconomic Indicator Sources: SNB Economics, KSA MOF, IMF, US Federal Reserve, EIA | 2 CIR excluding amortization of intangibles 23

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