3Q 2022 Results Presentation

Operating Income Trends | Strong income growth reflecting successful strategy execution Total Operating Income (SARmn) +9.6% 6,578 6,855 6,957 7,148 7,206 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 Net Profit Margin (%) 4.32% 4.21% 3.80% 3.76% 3.66% Total Operating Income Growth Drivers By Type (SARmn) +13.0% 626 1,557 295 21,311 18,862 (28) 9M 21 Net Yield Fee banking services, net Exchange income, net Other income, 9M 22 net NPM Drivers (%) 4.32% -0.47% -66 bps 0.13% 0.11% 0.06% 3.66% -0.49% 9M 21 FY 21 1Q 22 1H 22 9M 22 9M 21 Retail Corporate Treasury COF Mgmt Actions 9M 22 3Q 2022 Results Presentation 9 6 8

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