FY20/21 Investor Presentation

In strong position to deliver the "Bank of the Future" | Good progress made on strategy implementation Bank Build on our core OF Outperform our competition The Transform technology Grow Retail including Private Sector Customer Experience Retail financing growth in 2021 Customer NPS Digital Core Banking Platform Digital/Manual ratio Future Focus on new client needs Become Leading Finance Company Emkan financing total (SAR) +46% 72% 90/10 6.8bn Expand Corporate Preferred Employer Corporate Financing growth in 2021 Employee Engagement Index Data Leader for Customer Insights Active Digital Customer penetration Develop Best Payments Solution POS Market Share +33% 71% 9.7mm 32% Bank of Choice for SMEs Market Share Modernize our technology Grow Private Bank SME Financing growth in 2021 Market share of KSA banking assets Number of Robots New Private Banking products +61% 19%* 360 13 Grow Demand Deposits Demand Deposits growth in 2021 Preferred Loyalty Program Loyalty program customers enrolled Leverage our Infrastructure Alrajhi Banking App Rating Expand our customer reach Number of Active customers +13% 3.5mn 4.7 12.2mn Improve Revenue Mix Non-yield Income to Operating Income Leader in Financial Conduct ESG Rating 21% Adopt Agile Delivery Transactions per month average in 4Q Deepen Relationships via X-Sell 360-degree system to serve clients BBB 544mn 100% FY20 21 Investor Presentation 22 8

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