3Q 2023 Investor Presentation

Operating Income Trends | Lower operating income driven by higher cost of funding Total Operating Income (SARmn) -4.6% 7,206 7,264 6,781 6,827 6,873 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Total Operating Income Growth Drivers By Type (SARmn) -3.9% 21,311 (208) (874) 61 191 20,481 9M 22 Net Yield Fee banking services, net Exchange income, net Other income, 9M 23 net Net Profit Margin (%) NPM Drivers (%) 5.14% 5.21% 5.32% 4.34% 4.52% 2.98% 2.98% 3.66% 3.55% 3.00% 0.97% 0.68% 2.14% 2.23% 2.34% -68 bps 0.27% 0.42% 0.23% 3.66% 0.07% 2.98% -1.66% 9M 22 Retail Corporate Treasury CoF 9M 22 FY 22 NPM (%) 1Q 23 Gross Yield (%) 1H 23 9M 23 Mgmt Actions 9M 23 CoF (%) 3 Q2 0 2 3 Investor Presentation 26 8

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