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2Q 2023 Investor Presentation

Net Impairment & Cost of Risk | Lower net impairment resulted in cost of risk improvement Net Impairment Charges (SARmn) -37.9% 580 490 353 359 360 Cost of Risk (%) 0.47% 0.43% 0.39% 0.25% 0.25% 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 1H 22 9M 22 FY 22 1Q 23 1H 23 Movement in Net Impairment (SARmn) 1,159 -37.9% (310) (130) 719 Movement in Net Impairment by Group (SARmn) -37.9% 843 1,159 719 (1,282) 1H 22 Gross charges Recoveries 1H 23 1H 22 Retail Non-Retail 1H 23 2Q 2023 Investor Presentation 28 8

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