3Q 2023 Investor Presentation

Expenses Trends | Cost efficiencies remains solid Operating Expenses (SARmn) -0.1% 2,001 1,861 1,800 1,840 1,860 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Cost To Income Ratio (%) 25.6% 26.1% 26.5% 26.7% 26.9% Operating Expenses Growth Drivers By Type (SARmn) +0.9% 172 5,450 91 5,500 (213) 9M 22 Salaries & Benefits Depreciation Other G&A expenses 9M 23 Cost to Income Ratio Drivers (%) 1.1% 25.6% -0.1% 128 bps 0.9% 0.5% 26.9% -1.1% 9M 22 FY 22 1Q 23 1H 23 9M 23 9M 22 Yield Income Non-Yield Income Staff Depreciation G&A 9M 23 3 Q 2023 Investor Presentation 27 8

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