3Q 2023 Investor Presentation

Net Income Trends | net profit lower by 2% for the first nine months of 2023 Net Income For The Period After Zakat (SARmn) SAR (mn) 9M 23 9M 22 YOY 3Q 23 3Q 22 YOY -4.6% 4,355 4,404 Net financing & investment income Fee from banking services, net Exchange Income, net 15,720 16,594 -5% 5,401 5,687 -5% 3,238 3,445 925 864 4,145 4,150 4,155 Other operating income, net Fees and other income 599 407 4,761 Total operating income Operating expenses Pre-provision profit Total impairment charge 3Q 22 4Q 22 1Q 23 2Q 23 Net income for the period before Zakat Zakat 3Q 23 Net income for the period after Zakat -6% 899 1,135 -21% +7% 336 320 +5% +47% 237 65 +265% 4,717 +1% 1,472 1,519 -3% 20,481 21,311 -4% 6,873 7,206 -5% -5,500 -5,450 +1% -1,860 -1,861 -0% 14,980 15,861 -6% 5,012 5,345 -6% -1,099 -1,649 -33% -379 -490 -23% 13,882 14,212 -2% 4,633 4,855 -5% -1,431 -1,466 -2% -478 -501 -5% 12,451 12,746 -2% 4,155 4,355 -5% Net Income After Zakat Growth Drivers By Type (SARmn) 207 4,150 +0.1% 4,155 (162) (20) (19) (1) Net Income After Zakat Growth Drivers By Type (SARmn) 12,746 (874) 44 -2.3% (50) 550 34 12,451 2Q 23 Yield Non-Yield Expenses Impairments Zakat 3Q 23 9M 22 Yield Non-Yield Expenses Impairments Zakat 9M 23 3 Q 2023 Investor Presentation 25 8

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