FY20/21 Investor Presentation

Net Income Trends | Solid net profit growth of 39% YoY SAR (mn) FY 21 FY 20 YOY 4Q 21 4Q 20 YOY Net Income For The Period Before Zakat (SARmn) +28.5% Net financing & investment income Fee from banking services, net 20,392 16,913 +21% 5,355 4,638 +15% 3,933 2,660 +48% 1,114 864 +29% 4,022 4,230 4,474 3,480 3,719 Exchange Income, net Other operating income, net Fees and other income 788 784 +1% 218 210 +4% 603 365 +65% 168 82 +104% 5,324 3,808 +40% 1,500 1,155 +30% Total operating income Operating expenses Pre-provision profit Total impairment charge Net income for the period before Zakat Zakat 25,716 20,721 +24% -6,927 -6,742 18,790 13,979 +34% -2,345 -2,166 16,445 6,855 5,794 +18% +3% -1,791 -1,763 +2% 5,064 4,030 +26% 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 Net income for the period after Zakat +8% 11,814 +39% -1,699 -1,218 +39% 14,746 10,596 +39% -590 -550 +7% 4,474 3,480 +29% -461 -359 +29% 4,012 3,121 +29% Net Income Before Zakat Growth Drivers By Type (SARmn) +39.2% 1,516 16,445 3,479 11,814 (185) (179) Net Income Before Zakat Growth Drivers By Type (SARmn) 137 140 4,230 +5.8% 3 4,474 (37) FY 20 Yield Non-Yield Expenses Impairments FY 21 3Q 21 Yield Non-Yield Expenses Impairments 4Q 21 FY2021 Investor Presentation 32 8

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