3Q 2023 Investor Presentation

Capitalization Trends | Capital position well above regulatory minima RWA (SARbn) +8.4% 519.4 498.0 479.2 42.3 37.8 38.4 - 7.6 1.6 1.1 440.3 454.0 473.3 3Q 22 Credit risk 4Q 22 Market risk 3Q 23 Operational risk Capital Ratios (%) Total Capital (SARbn) +16.0% 106.6 107.9 93.0 5.5 100.9 5.9 5.7 102.0 87.5 3Q 22 4Q 22 3Q 23 Total tier 1 capital (T1) Tier 2 capital (T2) Tier 1 Drivers (%) 21.7% 21.4% 20.9% 20.8% 20.3% 20.5% 19.4% 20.3% 19.6% 19.7% 18.3% 16.9% 16.5% 17.2% 17.0% 16.5% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 CET1 ratio T1 ratio -TC ratio 3 Q 2023 Investor Presentation 32 -1.9% -0.63% 2.4% 0.0% 0.0% -0.2% -0.8% 19.6% 4Q 22 Dividends YTD Profit Other reserves FTA + Goodwill Sukuk RWA 3Q 23 8

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