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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 3Q 2025 Investor Presentation November 2025
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Our goal is to propel the nation’s progress towards Vision 2030 and beyond by spearheading technological innovation, encouraging progressive thinking, and using our expertise to provide the best opportunities for our people and the economy Table of Contents SNB Profile 01 Operating Environment 02 Strategy 2025-2027 03 Financial Highlights 04 Debt Profile Update 05 Financial Results Details 06 Segmental Review 07 Appendix 08
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest SNB Profile 01
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 93% 69% 99% 98% 82% 53% 18% 21% SNB is Saudi Arabia’s largest banking group with a well-diversified business model, leading client offering, and presence in 9 countries SNB Overview Figures as of 3Q 2025, unless otherwise specified | 1 Net Income Attributable to Equity Holders | 2 Excludes amortization of intangibles | 3 After Tier 1 Sukuk and Intangible costs | 4 Unsolicited | 5 As of 4Q 2024 | 6 Includes Itqan (2,500 employees) – fully owned subsidiary engaged in recruitment services within the Kingdom of Saudi Arabia | 7 As of 31/10/2025 | 3Q 2025 - Investor Presentation 4 To propel our nation towards Vision 2030 and beyond Our Purpose: Our Perfomance: Robust credit standing Advanced Digital Capabilities ¥ 1.2Tn Total Assets +9% YTD Total Financing +11% YTD Operating Income +8% YoY Net Income1 +19% YoY Cost of Risk -20bps YoY 2bps Cost/Income Ratio2 -316bps YoY ROTE3 +119bps YoY Tier 1 CAR +94bps YoY Subsidiary TFKB (Turkey) 3,068 Employees 454 ATMs 260 branches Subsidiary Samba Bank (Pakistan) 1091 Employees 69 ATMs 65 branches Offices in Shanghai & Seoul Saudi National Bank Headquartered in Riyadh 8,133 Employees 3,799 ATMs 476 branches 93 Remitt. centers NEO Lifestyle Banking & Financial Ecosystem Subsidiary SNB Capital (KSA) 442 Employees 27 branches Wholesale Branches Bahrain, UAE, Qatar & Singapore Customers5 Employees6 Market Cap7 14.4Mn 15,244 ¥ 239.3Bn Retail User Penetration Retail Digital Transactions Wholesale eCorp Digital Transactions Retail Account Opening Wholesale Account Opening POS market share (# of transactions) POS market share (value) Wholesale User Penetration Robust credit standing Ratings LT ST Outlook S&P A A-1 Stable Fitch A- F2 Stable Moody’s4 Aa3 P-1 Stable CI AA- A1 Stable ¥ 725Bn ¥ 29.3Bn ¥ 18.6Bn 25.2% 19.5%17 .5%
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 1,431 1,411 1,207 1,163 1,059 Peer 1 Peer 2 SNB Peer 3 Peer 4 Assets ( bn) SNB is a leading bank in KSA and the GCC region SNB in KSA and GCC Context Sources: SNB, Capital IQ. Peers (1, 2, 3, 4) represent GCC-based banks sorted in descending order by total assets; financial position is benchmarked based on 3Q 2025 data Assets SNB Rank in GCC #3 SNB Rank in KSA Financing Deposits Total Investments Operating Income Net Income #5 #2 #3 #2 #1 #2 #1 #1 #1 Top 5 Banks in GCC by Rank 37.4 33.8 29.3 28.7 28.2 Peer 3 Peer 1 SNB Peer 4 Peer 2 Operating Income (SARbn) 1,031 756 725 616 609 Peer 1 Peer 4 SNB Peer 3 Peer 2 Financing (SARbn) 19.3 18.6 18.4 16.4 13.2 Peer 3 SNB Peer 4 Peer 2 Peer 1 Net Income (SARbn) #2 #3 | 3Q 2025 - Investor Presentation 5 (¥bn) (¥bn) (¥bn) (¥bn)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 1,207 347 354 318 241 319 3,421 1,473 924 652 883 1,724 Leading, diversified franchise SNB market position as of 3Q 2025 Sources: SNB, Bank Financial Statements | 1 As of 2Q 2025 KSA Total Market Overall Banking (Assets) SNB Market Share in ¥bn SNB Market Share in % Rank KSA Wholesale Banking (Domestic Financing) Retail Banking (Domestic Financing) Treasury (Investments) Asset Management1 (AUMs) Brokerage (Value Traded) 26% 19% 28% 33% 21% 16% ¥ 4,628Bn ¥ 1,820Bn ¥ 1,278Bn ¥ 970Bn ¥ 1,124Bn ¥ 2,043Bn #1 #1 #2 #1 #1 #2 | 3Q 2025 - Investor Presentation 6
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Operating Environment 02
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Supportive KSA macro-economic environment Operating Environment Macro-economic Indicators Sources: SNB Economics, KSA MoF, Thomson Reuters, Bloomberg, EIA, IEA, OPEC| 3Q 2025 – Investor Presentation 8 +4.6 +5.1 +4.3 -15.0 -10.0 -5.0 +0.0 +5.0 +10.0 +15.0 +20.0 2015 2017 2019 2021 2023 2025F Real GDP Growth (% Y/Y change) Real GDP Oil Activities Non-Oil Activities 4.3 -6.0 -3.0 0.0 3.0 6.0 9.0 12.0 15.0 2015 2017 2019 2021 2023 2025F Non-Oil GDP (% Y/Y change) 68.0 64.0 0 20 40 60 80 100 120 140 Sep-15 Sep-17 Sep-19 Sep-21 Sep-23 Sep-25 Average Monthly Oil Prices (US$/bbl) Brent WTI -245 -5.3 -20.0 -15.0 -10.0 -5.0 0.0 5.0 -500 -400 -300 -200 -100 0 100 200 2015 2017 2019 2021 2023 2025F Fiscal Balance Fiscal balance (¥bn) % of GDP (RHS) 2.3 -3.0 -2.0 -1.0 0.0 1.0 2.0 3.0 4.0 5.0 2015 2017 2019 2021 2023 2025F Inflation (%), YoY change 103.0 103.9 104.6 102.7 103.8 105.1 103.8 105.1 106.5 99.0 100.0 101.0 102.0 103.0 104.0 105.0 106.0 107.0 2024 2025F 2026F Oil Demand Outlook (mmbd) IEA EIA OPEC
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Strong and stable banking sector Operating Environment Macro-economic Indicators Sources: SNB Economics, SAMA| 3Q 2025 – Investor Presentation 9 80.4 111.1 70.0 80.0 90.0 100.0 110.0 120.0 Sep-21 Sep-22 Sep-23 Sep-24 Sep-25 Overall Banking Industry Loan to Deposit Ratio (%) Regulatory LTD ratio Headline LTD ratio 7.8 0.0 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 2015 2017 2019 2021 2023 Sep-25 Annual Money Supply (% Y/Y change) 5.4 0.0 1.0 2.0 3.0 4.0 5.0 6.0 7.0 2015 2017 2019 2021 2023 3Q 2025 3M SAIBOR (% average) 14.3 7.9 0.0 5.0 10.0 15.0 20.0 Sep-21 Sep-22 Sep-23 Sep-24 Sep-25 Overall Banking Industry Lending & Deposits (Y/Y % change) Total Lending Total Deposits -0.2 2.0 -2.0 -1.0 0.0 1.0 2.0 3.0 4.0 Sep-23 Mar-24 Sep-24 Mar-25 Sep-25 Overall Banking Industry Lending by Sector (M/M % change) Corporate Loans Personal Loans 7,207 -5.0 -50.0 0.0 50.0 100.0 150.0 200.0 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000 2019 2022 2025YTD Average Monthly Value of Gross Mortgage Origination by All Banks (¥bn) Avg. Monthly Originations % Y/Y (RHS)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Strategy 2025-2027 03
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest SNB’s comprehensive strategy prioritizes sustainable growth in the Kingdom and embraces a customer-centric approach, while championing innovation SNB Strategy 2025-2027 | 3Q 2025 - Investor Presentation 11 Key Pillars Market Share and Value Creation Operational Excellence Customer Centricity Innovation Talent Magnet Target emerging segments with focus on improving returns and fee generation Deliver organizational agility and accelerate time to market through operating model enhancements Set up a culture of customer centricity across the organization Expand into digital innovations and capture the value from data & analytics Strengthen Organizational Health Index and specialized hiring programs Themes Grow Financing Market Share Improve Operating Model Embed Customer Experience Culture Accelerate Adoption of Digital Innovation Create a Distinctive Culture Become a Talent Magnet Capture the Value from Data and Analytics Capture Non-FTE Cost Savings Improve Customer Experience Outcomes Drive CASA Acquisition Enhance Fee Income
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Area Growth Metrics1 2024F Baseline 2027 Targets Key Targets Growth Low teens Low teens Financing Growth CAGR 2024-27 ¥ 654bn CASA Growth CAGR 2024-27 ¥ 419bn Profitability & Efficiency NSCI Growth CAGR 2024-27 ¥ 27.7bn Banking Fee Income Growth CAGR 2024-27 ¥ 4.6bn Group CIR 28.3% Domestic CIR 25.4% COR 0.16% ROTE 16.2% ROTE, adjusted 17.5% Low double digit High teens <25.5% <23% 20-40 bps 17-18% 18-19% Capital & Dividends Tier 1 CAR 20.3% Dividend payout 2025-27 54% 19-20% 50-60% 2027 financial targets SNB Strategy 2025-2027 1 Refer to Definitions appendix| 3Q 2025 – Investor Presentation 12 SNB Strategy 2025-2027
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 3Q 2025 marked positive progress across our strategic KPIs… 3Q 2025 Key Highlights 13| 3Q 2025 - Investor Presentation Market share and value creation Operational excellence Customer centricity Innovation Talent magnet Grow Financing market share Drive CASA acquisition Improve operating model Embed Customer Experience culture Accelerating the adoption of digital innovation Capturing value from data and analytics Become a talent magnet Enhance fee income SNB Capital leadership Total financing market share Wholesale financing market share Retail financing market share Total Financing growth Group CIR Domestic CIR SNB NEO customers Wholesale Financing growth Retail Financing growth CASA Growth, CAGR 2024-27 AUM market share Investment Banking market share Brokerage market share Fee income from banking services to loans 23.3% 18.3% 28.3% ¥ 654bn 28.3% 25.4% 1mn ¥ 290bn ¥ 344bn 0.7%11% 25.2% 22.6% 1.2mn 20% 3% 0.7% Low teens <25.5% <23% >5mn Mid teens High single digit 4Q 2024 4Q 2024 4Q 2024 4Q 2024 2024 2024 2024 4Q 2024 4Q 2024 2024 3Q 2025, YTD 9M 2025 9M 2025 3Q 2025 3Q 2025, YTD 3Q 2025, YTD 9M 2025 CAGR 2024-27 2027 2027 2027 CAGR 2024-27 CAGR 2024-27 25-26% 20-21% >30% >0.85% 2027 2027 2027 2027 Retail Branches NPS Organizational Health Index (OHI)Share of Retail digital financing sales Data Use Cases Corporate NPS Training Days per Employee Baseline 2024 ~+20%~30% 2027 20272027 #1 #2 #2 2Q 2025 2Q 2025 2Q 2025 #1 #1 #1 2027 2027 2027 86 89 >90 2024 3Q 2025 2027 26% 3Q 2025 2027 15% 2024 ~30% 3 17 >30 2024 3Q 2025 2027 2.5 2.4 ~+15% 2024 3Q 2025 2027 ¥ 419bn 16% 2024 3Q 2025, YTD Low teens CAGR 2024-27 27 .7% 3Q 2025 23.3% 3Q 2025 19.1% 3Q 2025 66 2024 ~75 2027 71 3Q 2025
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest …with positive momentum gained on each of the strategic themes 3Q 2025 Key Highlights | 3Q 2025 - Investor Presentation Grew loans by 11% driven through Wholesale & mortgages portfolio expansion Market share and value creationKey pillars 3Q 2025 key achievements 3Q 2025 selective metrics YTD loan growth+¥71bn Fee income YoY+22% Fee Income of 22% YoY on the back of accelerated GTB sales, POS collections and Cards campaigns Launched first standalone SME flagship branch in Eastern province Retail NPS improved from 86 to 89, achieving 75% of our targeted growth Operational excellence Customer centricity Innovation Corporate TAT Corporate NPS improvement Digital Trade migration 67% +5 47% Enhanced Corporate NPS from 66 to 71 driven by streamlining credit approvals and elevating relationship management Exceed cost savings from 2025 target 125% Retail NPS branch improvement +3 PF digital sales YoY+82% Key functionalities launched in Digital are Best in class loyalty, Family banking ,Saving Account, business account opening journey enhancement Launched data use cases to support sales activities, contributing to growth in assets and deposits Launched two hackathons both across the bank and with middle management to validate and prioritize innovation initiatives Turnaround time improved on key products such as corporate approval by 67%, residential finance by 35% & Lease finance by 24% through automation and process re-engineering Exceed cost savings target for 2025 through contract negotiations & fixed assets depreciation review Talent magnet Structured program graduates Introduced flagship program “Enterprise Data Management” to boost digital and data excellence Launched LEAP+ Executive Leadership program to build a future ready leadership pipeline Attracted top talents through specialized and structured Programs across Technology, Data and SME domains +85 +250 FTEs specialized hires 14
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Financial Highlights 04
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Strong progress against our strategy — sustaining profitable growth through customer centric approach, innovation focus and operational excellence Continued Progress on Cost Efficiency Gains Growth Across Core Banking Metrics OPEX ¥ 8.0bn for 9M 2025 Delivering Attractive Financial Returns Group CIR 25.2% ¥ 29.3bn in 9M 2025 ¥ 18.6bn in 9M 2025 Domestic CIR 22.6% Financing ¥ 725bn Operating Income CASA +¥ 68bn ROTE 17 .5% MSME ¥ 101bn -4% YoY Fee & Other Income ¥ 7 .6bn -316bps YoY -301bps YoY Total credit2 Wholesale (+20%) Retail (+3%) incl. Mortgages1 (+6%) 26% of total operating income CASA Ratio at 76.2% +11% YTD +8% YoY +19% YoY +119bps YoY +16% YTD +22% YOY+52% YTD Record Net Income 9M 2025 CEO Highlights 16 1 Net of ¥ 3bn Securitization | 2 On balance-sheet exposure of ¥ 83bn, +45% YTD Customer-centric approach and Innovation Focus +35% +67% Turnaround times shortened, YTD Client satisfaction improved, YTD +24% Corporate Residential finance Lease finance +5 +3 Retail branches NPS 89 Corporate NPS 71 | 3Q 2025 - Investor Presentation
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest -15bps 2.88% YoY > -123bps 82.8% YTD > -301bps 22.6% YoY > +11% ¥ bn 725 YTD < +20% ¥ bn 347 YTD < SNB delivered another quarter of record net income, driven by strong balance sheet growth, robust core revenues, improved cost discipline, and solid credit quality 1 NPL Ratio excluding POCI | 2 CIR excluding amortization of intangibles | 3 Net Income Attributable to Equity Holders | 4 After Tier 1 Sukuk and Intangible costs +10% ¥ bn 639 YTD < 9M 2025 Financial Performance Highlights +394bps 76.2% YTD < -20bps 2bps YoY > from Wholesale financing Funded mainly by Customers’ deposits and better risk costs, CoR delivering attractive profitability and improving CASA Ratio Strong financing growth | 3Q 2025 - Investor Presentation 17 -316bps 25.2% YoY > while OPEX decreased by 4% YoY CIR Group2 CIR Domestic2 +119 bps 17.5% YoY > +19% 18.6 YoY > Net income3 ROTE4 -6bps 20.8% YTD > with healthy capital and liquidity -36bps 0.80% YTD > with a decreasing NPL ratio1 +3% 353 YTD < +6% 192 YTD < and Mortgage expansion Retail Mortgages ¥ bn although a declining NIM Total CAR SAMA LDR +4% 21.6 YoY < 7.6 YoY < Operating income of ¥ 29.3bn, +8% YoY NSCI Fee & Other Income +22% ¥ bn ¥ bn ¥ bn ¥ bn
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Balance sheet expansion of 9% YTD mainly from financing & investmentgrowth, supported by a 10% increase in domestic customers’ deposits Balance Sheet Summary Domestic: +9% Int’l +16% Domestic: +11% Int’l +17% | 3Q 2025 - Investor Presentation 18 185 175 205 580 659 639 95 119 12151 50 45910.9 1,003.1 1,009.6 +11% +1% QoQ 4Q 24 2Q 25 3Q 25 Total Liabilities (¥bn) Interbank Customers' Deposits Debt Securities & Term Loans Other 19.3 55.6 25.4 4.9 (6.5)910.9 1,009.6 +11% +10% +27% -7% +11% 4Q 24 Interbank Customers' deposits Debt Securities & Term Loans Other liabilities Int'l 3Q 25 Total Liabilities Movement YTD (¥bn) 10.6 26.0 67.3 5.0 (6.5)1,104.2 1,206.6 +19% +9% +11% -7% +16% +9% 4Q 24 Cash & interbank Investments Financing & advances Other assets Int'l 3Q 25 Total Assets Movement YTD (¥bn) 63 80 76 292 315 318 654 715 725 94 91 88 1,104.2 1,201.0 1,206.6 +9% +0% QoQ 4Q 24 2Q 25 3Q 25 Total Assets (¥bn) Cash & interbank Investments Financing Other
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest (20) 391 455 332 6 32 (134) 5,366 5,386 6,436 6,469 +6% +23% -13% -3% +21% +21% +19% 3Q 24 Int'l Group Ex Int’l NSCI Fee & other income Opex Impairments Other Group Ex Int’l Int'l 3Q 25 Net Income Attributed To Equity Holders Movement YoY (¥mn) (88) 911 1,125 316 990 (417) (20) 15,636 15,724 18,648 18,628 +5% +20% -4% -99% +23% +19% +19% 9M 24 Int'l Group Ex Int’l NSCI Fee & other income Opex Impairments Other Group Ex Int’l Int'l 9M 25 Net Income Attributed To Equity Holders Movement YoY (¥mn) 2.0% 2.1% 2.2% 2.2% 2.2% 9M 24 FY 24 1Q 25 1H 25 9M 25 Returns YTD (%) ROTA 16.3% 16.2% 17.5% 17.3% 17.5% 17.5% 17.5% 19.1% 18.7% 18.9% ROTE ROTE, adj. 19% YoY Net income growth driven by revenue uplift, cost discipline and better risk costs, reflecting strong asset quality Income Statement Summary 1 Operating expenses exclude amortization of intangibles of ¥ 615mn in 9M 2025 and 9M 2024, ¥ 205mn in 3Q 2025 and 3Q 2024 | 2 Other includes amortization of intangibles, other non-operating expenses and zakat | 3 Refer to Definitions appendix Operating income: +¥ 846mn (+10%) 1 2 | 3Q 2025 - Investor Presentation Operating income: +¥ 2,036mn (+8%) 1 2 19 2025 Guidance ROTE: 16.5%-17.5% ROTE, adj.3: 18%-19% 3 5,386 6,136 6,436 (20) 1 325,366 6,137 6,469 +21% +5% QoQ 3Q 24 2Q 25 3Q 25 Net Income (¥mn) Group, excl. Int'l Int'l
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Solid net income contribution from Wholesale, slightly offset by Capital Markets Segmental Highlights | 3Q 2025 – Investor Presentation 20 14 74 9 5 1,104 1,207 +3% +12% +38% +16% +9% 4Q 24 Retail Whole- sale Capital Markets Int'l 3Q 25 Total Assets Movement YTD (¥bn) 11 79 4 5 911 1,010 +3% +15% +38% +17% +11% 4Q 24 Retail Whole- sale Capital Markets Int'l 3Q 25 Total Liabilities Movement YTD (¥bn) 34 1,960 42 185 27,047 29,267 +0% +18% +2% +14% +8% 9M 24 Retail Whole- sale Capital Markets Int'l 9M 25 Total Operating Income Movement YoY (¥mn) 685 2,596 62 82 17,437 20,861 +10% +29% +4% -174% +20% 9M 24 Retail Whole- sale Capital Markets Int'l 9M 25 Net Income Before Zakat & Tax Movement YoY (¥mn) Retail 36.7% Wholesale 57.6% Capital Markets 2.7% Int'l 3.1% Total Assets Composition (%) Retail 44.1% Wholesale 44.2% Capital Markets 6.7% Int'l 5.0% Total Operating Income Composition (%)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Below 26% ¥ 21.6bn +4% YoY 2 bps 19.5% ¥ 725bn +11% YTD 25.2% 17.5% 18.9% Upgrades to FY 2025 guidance reflect solid performance momentum, deepening innovation and improved cost efficiencies, leading to sustained profitability enhancements Outlook & Guidance 21 1 Macro-economic Indicator Sources: SNB, KSA MoF, IMF. US Federal Reserve, Gastat, Eikon | 2 Macro-economic forecasts indicate 2025 average, except US FFR, which is a year-end estimate | 3 CIR excluding amortization of intangibles | 4 Refer to Definitions appendix Real GDP Growth US FFR Inflation Avg Brent Oil Price / bbl Non-Oil GDP Growth Macro-Economic Outlook1 FY 2024 +2.0% 4.25-4.5% 1.5% USD 80 +5.2% FY 2024 Baseline FY 2025 GuidanceSNB Financial Guidance NSCI Growth ¥ 27.7bn Low-to-mid single digit Cost of Risk 16 bps 5 to 15 bps Tier 1 CAR 20.3% 19% to 20% Financing Growth ¥ 654bn Low double digit FY 20252 +4.4% 3.5-3.75% 2.3% USD 68 +5.0% 28.3% 25.4% Group Cost to Income Ratio3 Domestic Cost to Income Ratio3 16.5% to 17.5% 18% to 19% ROTE 17.5% 16.2% ROTE, adjusted4 22.6% 9M 2025 Unchanged Unchanged Status | 3Q 2025 - Investor Presentation Unchanged Unchanged Unchanged Below 23% Upgraded Upgraded
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Debt profile update 05
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 9M 2025 key highlights ▪ Expanded global funding presence across key markets via multi-currency issuances (SGD, CNH, AUD, HKD...), leveraging diversified funding sources efficiently ▪ Executed long-term funding transactions totaling ¥ 54.1 bn3 through various instruments and markets, including (Tier 2, EMTN/Sukuk issuances and Term Loans) ▪ SNB’s capital was further strengthened through T2 issuances, total amounting to USD 1.5 billion, where SNB witnessed exceptionally high demand from international investors ▪ Sustained strong momentum in global capital markets through private placements and loan facilities, raising approximately ¥ 14.9 bn YTD Continued growth and diversification in funding profile Term Loans, Sukuk and Debt Securities 1 2021 & 2022 Debt Securities & Term Loans values are management figures and provided for illustrative purposes | 2 Tier 2 includes issuances under the EMTN program during 9M 2025 | 3 Domestic, excluding CDs 1 1 | 3Q 2025 - Investor Presentation 23 2 ¥ 9% USD 85% Others 6% Composition by Currency (%) CDs 27.3% EMTN/SUKUK 19.6% Term Loans 36.8% AT1 12.2% Tier 2 4.1% Composition by Instrument (%) 2025 1.9% 2026 13.0% 2027-2028 42.4% 2029-2034 42.8% EMTN/Sukuk composition by maturity (%) 6.4 24.9 37.5 8.9 16.0 13.9 21.8 27.0 8.8 7.4 24.1 48.7 50.6 12.2 15.5 15.2 21.2 16.7 5.7 29.9 38.9 59.6 116.5 137.4 2021 2022 2023 2024 3Q 2025 Debt Securities, CDs, AT1, Tier 2 and Term Loan Balances (¥bn) CDs EMTN/Sukuk Term loans AT1 Tier 2
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest SNB combines strong financial resilience with sustainability leadership, advancing ESG strategy and sustainable finance Sustainability Update 24Further information can be found in our 2025 Sustainable Finance Allocation and Impact Report and 2024 ESG Report ESG Framework ESG Vision: Pioneer sustainable finance to propel our nation towards Vision 2030 and beyond Advocate financial empowerment and nurture talent Accelerate the use of financial products for sustainable growth Advance the net zero transition Authentic leadership and transparency Strengthen workforce capabilities by fostering career growth, promoting Saudization, and increasing female representation. Expand sustainable finance capabilities and introduce new products that cater to evolving market needs. Accelerate the transition to a low-carbon economy by aligning with Saudi Green Initiative goals and supporting emissions reduction across financed activities. Integrate climate considerations into operations and financial decision-making processes. Future ambitions SNB has advanced its sustainability journey since 2021 through the launch and expansion of its Sustainable Finance Framework, multiple ESG-labelled sukuk issuances, annual ESG reports, and steady year-on-year improvements in ESG ratings across leading agencies In 2024, SNB commenced implementation of its ESG Strategy, grounded in the ESG Framework, to drive alignment with Vision 2030 and international best practices Building on this foundation, SNB has issued a total of 9 outstanding sustainable instruments totaling to $1,743mn and has a current portfolio of eligible sustainable assets amounting to $4,773mn Term funding portfolio by type Eligible Green and Social loan Portfolio $4,773mn $1,743mn 92% 3% 5% Sustainability Green Social 52% 48% Employment Generation Renewable Energy | 3Q 2025 - Investor Presentation
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 17.6% 14.4% 13.5% 15.7% 13.3% 15.9% 16.2% 13.2% 14.8% 11.7% 14.7% 13.7% 15.1% 12.4% 13.0% 14.4% 19.5% 17.7% 18.3% 19.6% 15.8% 19.7% 18.9% 17.5% 16.8% 17.0% 15.8% 15.2% 18.3% 14.3% 14.8% 18.7% 20.8% 19.2% 19.3% 21.9% 17.8% 21.1% 20.6% 18.1% 20.3% 19.1% 16.9% 16.8% 19.5% 16.4% 15.9% 19.2% SNB SAB Alinma BSF Riyad AlRajhi ANB SAIB Albilad Aljazira ENBD FAB QNB NBK ABC Muscat CET1 ratio Tier 1 ratio Total capital ratio SNB enjoys one of the highest Capital Ratios among regional peers Capital position Source: company disclosure | 1 As of 2Q 2025 KSA and GCC banks capital adequacy ratios Saudi Arabia GCC | 3Q 2025 - Investor Presentation 25 1
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest External Ratings Update Credit Ratings SNB Ratings Quotes S&P Moody’s (unsolicited) Capital Intelligence Fitch A Outlook: Positive A+ Outlook: Stable Aa3 Outlook: Stable A+ Outlook: Stable “The stable outlook reflects our expectation that SNB will maintain a solid capitalization while keeping risks associated with lending growth in check, despite tighter liquidity conditions in the market.” “SNB National Rating reflects its creditworthiness relative to other Saudi Arabian issuers and, is the highest among Saudi banks as the bank is the largest in the country, and its financial metrics are at the higher end of the sector.“ The Foreign currency rating is supported by very good asset quality with large credit loss absorption capacity, high profitability and a long-term track record of good returns, strong capitalisation, and a comfortable liquidity and funding profile.” “SNB's core income-generating capacity is strong and growing, and it will continue to support the bank's loss-absorption capacity in the foreseeable future. The bank's profitability is underpinned by its leading market position in Saudi, its strong fee income-generating capacity and its operating efficiencies..” Rating Agency Saudi Arabia Stable Long-term Short-term Stable Long-term Short-term Stable Long-term Short-term Stable Long-term Short-term SNB Outlook MSCI NA Average vs Industry Peers ESG Rating "New disclosures indicate it conducts annual surveys to gauge staff satisfaction, like leading peers. SNB is on par with peers in data privacy framework. We found evidence of data control rights for customers and IT audits to address cybersecurity risks.” A-2 A-1 2021 2022 2023 2024 3Q 25 A- A F1 F2 2021 2022 2023 2024 3Q 25 A- A- P-1 P-1 2021 2022 2023 2024 3Q 25 A1 A1 2021 2022 2023 2024 3Q 25 A+ AA- A1 Aa3 BB BBB 2021 2022 2023 2024 3Q 25 | 3Q 2025 - Investor Presentation 26
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Financial Results Details 06
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest ¥ (mn) 3Q 2025 3Q 2024 Δ 4Q 2024 Δ Cash & interbank 75,582 86,091 -12% 63,208 +20% Investments 318,201 290,462 +10% 292,487 +9% Financing 725,090 655,308 +11% 654,252 +11% Other assets 87,734 92,746 -5% 94,207 -7% Total assets 1,206,607 1,124,608 +7% 1,104,155 +9% Interbank 204,504 165,934 +23% 185,120 +10% Customers’ Deposits 639,488 634,195 +1% 579,762 +10% Debt securities & term loans 120,680 95,553 +26% 95,305 +27% Other liabilities 44,895 45,086 -0% 50,692 -11% Total liabilities 1,009,566 940,768 +7% 910,879 +11% Share capital 60,000 60,000 +0% 60,000 +0% Retained earnings 21,505 14,078 +53% 14,351 +50% Others 98,278 93,814 +5% 97,027 +1% Equity attributable to shareholders 179,782 167,892 +7% 171,378 +5% Tier 1 sukuk 16,718 15,188 +10% 21,188 -21% Non-Controlling Interests 541 760 -29% 710 -24% Total equity 197,041 183,839 +7% 193,275 +2% Total liabilities & equity 1,206,607 1,124,608 +7% 1,104,155 +9% Balance sheet expansion of 9% YTD mainly from financing & investment growth, supported by a 10% increase in domestic customers’ deposits Balance Sheet Summary | 3Q 2025 - Investor Presentation 28 86 63 66 80 76 290 292 310 315 318 655 654 706 715 725 93 94 88 91 88 1,124.6 1,104.2 1,171.1 1,201.0 1,206.6 +9% QoQ -2% +6% +3% +0% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Total Assets (¥bn) Cash & interbank Investments Financing Other 166 185 195 175 205 634 580 626 659 639 96 95 105 119 121 45 51 51 50 45 940.8 910.9 977.0 1,003.1 1,009.6 +11% QoQ -3% +7% +3% +1% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Total Liabilities (¥bn) Interbank Customers' Deposits Debt Securities & Term Loans Other
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Consumer 48.7% (-3.8ppts) Commerce 11.4% (-0.1ppts) Utilities & health 8.6% (+0.4ppts) Manufacturing 6.6% (+0.2ppts) Banking & financials 6.4% (+1.3ppts) Transport & comms 5.7% (+1.7ppts) Government & quasi Govt. 2.2% (-0.0ppts) Building & Construction 1.7% (+0.2ppts) Other 8.6% (+0.1ppts) Financing & Advances, Net by Sector (%) and YTD change (ppts) Retail 48.7% (-3.8ppts) Corporate 42.3% (+2.9ppts) FI 5.6% (+0.7ppts) Int'l 2.9% (+0.2ppts) Other 0.5% (-0.0ppts) Financing & Advances, Net Composition (%) and YTD change (ppts) 11.0 48.6 8.6 0.2 3.5 (1.1) 654.3 725.1 +6% -1% +19% +27% +6% +20% +11% 4Q 24 Mortgages Other Retail Corporate FI Other Int'l 3Q 25 Financing & Advances, Net Movement YTD (¥bn) An 11% YTD increase in financing fueled by Wholesale financing and mortgages Financing & Advances 1 Net of ¥ 3bn Securitization | 3Q 2025 - Investor Presentation 29 2025 Guidance Low double-digit Domestic: +11% Int’l +20% Retail: +¥ 9.9bn (+3%) Wholesale: +¥ 57.2bn (+20%) 1 340 344 352 343 353 261 258 294 308 307 33 32 39 40 4118 17 18 20 213 3 4 4 4655.3 654.3 706.4 714.8 725.1 +11% QoQ -0% +8% +1% +1% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Financing & Advances, Net (¥bn) Retail Corporate FI Int'l Other 176.5 181.0 183.7 188.3 192.0 +6% QoQ +3% +1% +2% +2% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Mortgages (¥bn)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Saudi Arabia 61.2% (-1.4ppts) USA 19.3% (+1.0ppts) GCC & Middle East 4.7% (-0.1ppts) Europe 2.8% (-0.7ppts) Turkey 1.1% (-0.4ppts) Other 10.9% (+1.6ppts) Investments, Net by Geography (%) and YTD change (ppts) Investments increased by 9% YTD, supported by growth in SGDS, other fixed income and funds & equity 1 Saudi Government Debt Securities including SAMA bills (investment grade) Investments | 3Q 2025 - Investor Presentation 30 14.7 9.0 2.3 (0.3)292.5 318.2 +9% +9% +8% -5% +9% 4Q 24 SGDS Other fixed income Funds & equity Int'l 3Q 25 Investments, Net Movement YTD (¥bn) 1 Domestic: +9% Int’l -5% 161 163 169 175 178 97 96 104 104 104 27 28 31 31 306 6 6 5 5290.5 292.5 310.3 315.5 318.2 +9% QoQ +1% +6% +2% +1% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Investments, Net by Instrument (¥bn) SGDS Other fixed income Funds & equity Int'l 25 26 29 29 30 87 87 94 94 93 178 180 187 192 195 290.5 292.5 310.3 315.5 318.2 +9% QoQ +1% +6% +2% +1% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Investments, Net (¥bn) Held at FVIS Held at FVOCI Held at amortised cost
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Customers’ deposits grew 10% YTD, primarily driven by domestic CASA inflows; this contributed to an improved CASA ratio of 76.2% Customers' Deposits Domestic: +10% Int’l +18% | 3Q 2025 - Investor Presentation 31 70.8% 72.2% 74.5% 75.9% 76.2% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 CASA Ratio (%) CASA 76.2% (+3.9ppts) Time 19.2% (-3.2ppts) Other 4.6% (-0.7ppts) Customers' Deposits by Type (%) and YTD change (ppts) 67.9 0.4 3.7 (12.3)579.8 639.5 +17% -8% +5% +25% +10% 4Q 24 CASA Time & other CASA Time & other 3Q 25 Customers' Deposits Movement YTD (¥bn) Domestic 95.8% (-0.3ppts) Int'l 4.2% (+0.3ppts) Customers' Deposits by Geography (%) and YTD change (ppts) 449 419 466 500 487 154 130 134 133 123 31 31 26 26 29 634.2 579.8 626.4 658.7 639.5 +10% QoQ -9% +8% +5% -3% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Customers' Deposits (¥bn) CASA Time Other
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 16.3% 16.2% 17.5% 17.3% 17.5% 2.0% 2.1% 2.2% 2.2% 2.2% 17.5% 17.5% 19.1% 18.7% 18.9% 9M 24 FY 24 1Q 25 1H 25 9M 25 Returns YTD (%) ROTE ROTA ROTE, adjusted ¥ (mn) 3Q 2025 3Q 2024 Δ 9M 2025 9M 2024 Δ NSCI 7,308 6,841 +7% 21,649 20,805 +4% Fee & other income 2,838 2,350 +21% 7,619 6,242 +22% Total operating income 10,145 9,191 +10% 29,267 27,047 +8% Operating expenses1 (2,287) (2,664) -14% (7,368) (7,664) -4% Impairments (231) (224) +3% (93) (999) -91% Income from operations 7,423 6,098 +22% 21,192 17,769 +19% Other income (expenses)2 (145) 17 -962% (330) (11) +2953% Net income before zakat & tax 7,277 6,011 +21% 20,861 17,437 +20% Zakat & tax (804) (661) +22% (2,277) (1,863) +22% Net income after zakat & tax 6,473 5,350 +21% 18,584 15,574 +19% NCI (4) 16 -127% 43 63 -31% Net income 6,469 5,366 +21% 18,628 15,636 +19% EPS 1.04 0.87 +20% 2.99 2.53 +18% ROTE3 17.5% 16.4% +1.1ppt 17.5% 16.3% +1.2ppt ROTE, adj. 4 18.9% 17.6% +1.3ppt 18.9% 17.5% +1.4ppt NSCI Margin5 2.80% 2.89% -9bps 2.88% 3.03% -15bps Cost to Income Ratio 22.5% 29.0% -6.4ppt 25.2% 28.3% -3.2ppt Cost of risk 0.13% 0.14% -1bps 0.02% 0.22% -20bps Net income growth driven by revenue uplift, cost discipline and low impairments reflecting strong asset quality Income Statement Highlights 1 Operating expenses exclude amortization of intangibles of ¥ 615mn in 9M 2025 and 9M 2024 (¥ 205mn in 3Q 2025 and 3Q 2024) | 2 Other includes amortization of intangibles, other non-operating expenses and zakat | 3 After deducting Tier 1 Costs | 4 Refer to Definitions appendix | 5 NSCI margin calculation excludes FV unwind of ¥ 270mn (9M 2024: ¥ 288mn) | 3Q 2025 - Investor Presentation 32 2025 Guidance ROTE: 16.5%-17.5% ROTE, adj.4: 18%-19% 5,386 5,615 6,075 6,136 6,436 (20) (59) (53) 1 325,366 5,557 6,022 6,137 6,469 +21% QoQ +4% +8% +2% +5% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Net Income (¥mn) Group, excl. Int'l Int'l
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 0.7 0.4 1.1 0.5 0.5 (1.3) 20.8 20.3 21.2 21.6 +5% +3% +13% +7% +4% +5% 9M 24 Int'l Group Ex Int’l Retail financing Wholesale financing Inv. & placements CoF Group Ex Int’l Int'l 9M 25 Net Special Commission Income Movement YoY (¥bn) 4% YoY NSCI growth from asset expansion… NSCI & Margin Int manual positives | 3Q 2025 - Investor Presentation 33 2025 Guidance Low-to-mid single digit growth Retail 59.2% Wholesale 36.9% Capital Markets 1.4% Int'l 2.5% Net Special Commission Income Composition (%) 15,022 14,882 14,323 15,161 15,815 +5% QoQ -1% -4% +6% +4% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Special Commission Income (¥mn) 8,181 7,978 7,069 8,074 8,508 +4% QoQ -3% -11% +14% +5% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Special Commission Expense (¥mn) 6,841 6,904 7,254 7,087 7,308 +7% QoQ +1% +5% -2% +3% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 NSCI (¥mn)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest …and declining NSCI Margin YoY NSCI & Margin 1 Domestic: -13bps Int’l: -2bps 1 NSCI margin calculation excludes FV unwind of ¥ 270mn (9M 2024: ¥ 288mn) | 3Q 2025 - Investor Presentation 34 332 350 279 328 265 28331 33 906.9 994.1 +10% 9M 24 9M 25 Average Earning Assets (¥bn) Retail financing Corporate financing Investments & Placements Int'l 117 116 439 449 215 30129 3241 21840.7 918.9 +9% 9M 24 9M 25 Average Cost Bearing Liabilities (¥bn) Time deposits Demand deposits Wholesale funding Int'l funding Other 0.04% 0.06% -0.08% -0.14% -0.02% 3.03% 2.88% -15bps 9M 24 Retail financing Wholesale financing Investments & placements CoF Int'l 9M 25 Net Special Commission Margin Movement YoY (%)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 3Q 2025 Margin was stable despite higher CoF NSCI & Margin 1 NSCI margin calculation excludes FV unwind of ¥ 270mn (9M 2024: ¥ 288mn) 1 | 3Q 2025 - Investor Presentation 35 1 2.89% 2.92% 3.05% 2.79% 2.80% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Group NSCI Margin QTR (%) 2.94% 2.98% 3.05% 2.83% 2.82% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Group, excl Int'l, NSCI Margin QTR (%) 5.82% 5.71% 5.57% 5.52% 5.61% 3.08% 2.94% 2.79% 2.95% 2.97% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Group, excl Int'l, Commission Yield & Funding Cost QTR (%) Commission yield CoF 6.40% 6.33% 6.05% 6.00% 6.12% 3.75% 3.65% 3.30% 3.49% 3.52% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Group Commission Yield & Funding Cost QTR (%) Commission yield CoF
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 67 218 134 665 456 (165) (79) 3,355 2,899 3,075 3,740 -33% -10% +12% +36% +32% +11% +6% 9M 24 Int'l Group Ex Int’l Brokerage Inv. Mgt. Financing & cards Trade finance Other Group Ex Int’l Int'l 9M 25 Fee Income From Banking Services, Net Movement YoY (¥mn) Fee and Other Income increased by 22% driven by investment income, FX, trade finance and International, partly offset by lower brokerage income Fee & Other Income 1 Other is “Other operating income (expense), net” as per the Financial Statements | 2 Other includes Cash management, POS, NEO and Remittance income 1 1 | 3Q 2025 - Investor Presentation 36 1,164 1,085 1,237 1,243 1,260 469 522 534 592 593 1,060 886 905 959 1,532 (342) (410) (315) (374) (547) 2,350 2,084 2,361 2,420 2,838 +21% QoQ -11% +13% +3% +17% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Fee & Other Income (¥mn) Banking services FX Inv.-related Other 176 369 821 919 668 (241) 6,242 5,574 6,699 7,619 +6% +38% +31% +22% +20% 9M 24 Int'l Group Ex Int’l Fee income from banking services FX Inv.-related Other Group Ex Int’l Int'l 9M 25 Fee and Other Income Movement YoY (¥mn) 2 1 Retail 1.1% Wholesale 64.9% Capital Markets 21.9% Int'l 12.1% Fee & Other Income Composition (%)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Operating expenses declined by 4% for 9M 2025 and by 14% YoY in 3Q 2025; cost-to-income ratios improved to record levels Operating Expenses 1 Operating expenses exclude amortization of intangibles of ¥ 615mn in 9M 2025 and 9M 2024 (¥ 205mn in 3Q 2025 and 3Q 2024) 11 1 1 Domestic: -315bps Int’l: -1bps | 3Q 2025 - Investor Presentation 37 2025 Guidance Group: Below 26% Domestic: Below 23% 28.3% 0.1% -2.0% -1.2% -0.1% 25.2% -316bps 9M 24 Domestic NOR Domestic OPEX Int'l NOR Int'l OPEX 9M 25 Cost to Income Ratio Movement YoY (%) 28.4% 28.3% 26.2% 26.6% 25.2% 25.6% 25.4% 23.3% 23.6% 22.6% 9M 24 FY 24 1Q 25 1H 25 9M 25 Cost to Income Ratio YTD (%) Cost to Income Ratio Group, excl. Int'l 1,221 1,048 1,255 1,221 1,213 137 119 123 119 125 447 494 349 412 314 859 887 794 808 634 2,664 2,548 2,522 2,560 2,287 -14% QoQ -4% -1% +2% -11% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Operating Expenses (¥mn) Employee-related Premises Depreciation G&A 1,096 1,076 (16) (28) (170) (102) 7,664 6,587 6,272 7,368 -1% -8% -17% -5% -4% -5% 9M 24 Int'l Group Ex Int’l Employee- related Premises Depreciation G&A Group Ex Int’l Int'l 9M 25 Total Operating Expenses Movement YoY (¥mn)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Cost of Risk came in at 2bps, supported by recovery efforts with meaningful inflows from fully provisioned and legacy exposures Financing Credit Impairments & Cost of Risk 1 COR including POCI| 3Q 2025 - Investor Presentation 38 2025 Guidance 5 to 15 bps 1 Domestic: -26bps Int’l: +6bps 0.06% -0.09% -0.17% 0.22% 0.02% -20bps 9M 24 Retail Wholesale Int'l 9M 25 Cost of Risk Movement YoY (%) 0.22% 0.16% 0.02% -0.04% 0.02% 0.22% 0.16% -0.00% -0.06% 0.00% 9M 24 FY 24 1Q 25 1H 25 9M 25 Cost of Risk YTD (%) Group Group, excl. Int'l 212 (182) 209 18 12 31 230 (170) 241 +5% -241% QoQ 3Q 24 2Q 25 3Q 25 Impairment Charge for Financing and Advances Losses YoY (¥mn) Group Ex Int’l Int'l (5) 79 (710) (303) 1,031 1,035 23 102 -170% -49% -90% -98% 9M 24 Int'l Group Ex Int’l Wholesale Retail Group Ex Int’l Int'l 9M 25 Impairment Charge for Financing and Advances Losses Movement YoY (¥mn)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Commerce 27.9% Manufacturing 8.8% Consumer 23.9% Building & construction 24.0% Other 15.4% NPL Composition by Sector (%) 5.9 2.2 (0.8) (1.0) (0.1) 7.7 8.0 -36% -19% -14% -24% NPLs 4Q 24 Retail Wholesale Int'l NPLs 3Q 25 POCI balance Impaired financing 3Q 25 Credit Impaired Financing Movement YTD (¥bn) 1 Group including POCI : 1.10% Asset quality improved with the NPL Ratio decreasing to 80 basis points... Credit Quality 1 Domestic: -24% Int’l: -14% | 3Q 2025 - Investor Presentation 39 Retail 23.9% Wholesale 69.9% Int'l 6.2% NPL Composition (%) 1.13% 1.16% 0.91% 0.81% 0.80% 1.09% 1.13% 0.89% 0.78% 0.78% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 NPL Ratio (%) Group Group, excl. Int'l
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest …with healthy stage-wise coverage Credit Quality | 3Q 2025 - Investor Presentation 40 2 2 2 2 2 4 1 1 1 2 5 7 6 5 5 11.2 10.4 9.4 8.6 8.6 QoQ -7% -9% -9% +1% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 ECL Allowance by Stage (¥bn) Stage 1 Stage 2 Stage 3 (0.5) (1.9) (0.2) 11.2 8.6 -19% -50% -4% -23% 3Q 24 Stage 1 Stage 2 Stage 3 3Q 25 ECL Allowance Movement YoY (¥bn) 0.38% 0.35% 0.34% 0.34% 0.27% 14.1% 8.0% 7.2% 6.4% 8.3% 65.2% 84.1% 81.7% 76.4% 78.4% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Coverage by Stage (%) Stage 1 Stage 2 Stage 3 629 636 687 692 703 27 18 19 23 238 8 7 6 6663.5 662.2 713.4 721.2 731.6 +10% QoQ -0% +8% +1% +1% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Total Financing & Advances, Gross by Stage (¥bn) Stage 1 Stage 2 Stage 3
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Capitalization remains strong, supported by solid net income generation, despite robust financing growth Capitalization 2025 Guidance Tier 1 CAR: 19-20% | 3Q 2025 - Investor Presentation 41 129 133 133 140 141 14 20 20 18 166 4 4 9 10150.2 157.1 157.9 166.5 167.0 QoQ +5% +1% +5% +0% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Total Eligible Capital (¥bn) CET1 Additional tier 1 capital Tier 2 capital 157.1 18.6 2.1 1.2 (0.0)(12.0) 167.0 +6% 4Q 24 Net income Dividend payout OCI Net AT1 & T2 FX reserve & Other 3Q 25 Total Eligible Capital Movement YTD (¥bn) 714 685 750 740 747 39 39 39 39 39 19 30 29 29 18772.6 754.3 817.8 807.6 804.1 +7% QoQ -2% +8% -1% -0% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Risk weighted assets (¥bn) Credit risk Operational risk Market risk 19.4% 20.8% 19.3% 20.6% 20.8% 16.7% 17.6% 16.3% 17.3% 17.6% 18.6% 20.3% 18.8% 19.5% 19.5% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Capitalization Ratios (%) CAR CET1 ratio Tier 1 ratio
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Liquidity is strong and stable Liquidity | 3Q 2025 - Investor Presentation 42 707.3 693.3 730.9 761.9 765.3 109.4% 106.6% 106.6% 112.4% 112.3% QoQ -2% +5% +4% +0% 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% 0 200 400 600 800 1,000 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Stable Funding (¥bn/%) Available stable funding NSFR 79.8% 84.0% 82.5% 79.2% 82.8% 90.0% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 SAMA Loan-to-Deposit Ratio (%) SAMA LDR Regulatory ceiling 1,197.7 1,158.2 1,241.4 1,266.8 1,277.5 12.0% 13.2% 12.4% 12.4% 12.3% QoQ -3% +7% +2% +1% 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 0 500 1,000 1,500 2,000 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Leverage (¥bn/%) Leverage ratio exposure Basel III leverage ratio 168.6 169.4 172.1 166.7 179.7 283.9% 265.2% 245.5% 227.4% 262.6% QoQ +0% +2% -3% +8% -100.0% -50.0% 0.0% 50.0% 100.0% 150.0% 200.0% 250.0% 300.0% 0 50 100 150 200 250 300 350 400 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Liquidity Coverage (¥bn/%) HQLA LCR
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Segmental Review 07
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 911 1,125 316 990 2 17,484 20,826 +5% +20% -5% -99% +19% 9M 24 NSCI Fee & other income Operating expenses Impair- ments Other income (expenses) 9M 25 Net Income Before Zakat & Tax Movement YoY (¥mn)¥ (mn) 3Q 2025 2Q 2025 Δ 3Q 2025 4Q 2024 Δ Total assets 1,169,553 1,165,793 +0% 1,169,553 1,072,079 +9% Financing and advances, net 704,412 695,276 +1% 704,412 637,088 +11% Total liabilities 976,248 971,526 +0% 976,248 882,495 +11% Customers' deposits 612,321 632,936 -3% 612,321 556,673 +10% NPL ratio 0.78% 0.78% -1bps 0.78% 1.13% -35bps NPL coverage ratio 148.8% 148.6% +0.1ppt 148.8% 137.1% +11.6ppt 9M 2025 9M 2024 Δ 3Q 2025 4Q 2024 Δ Net special commission income 21,107 20,196 +5% 7,118 6,839 +4% Fee & other income 6,699 5,574 +20% 2,456 1,767 +39% Total operating income 27,806 25,770 +8% 9,574 8,606 +11% Operating expenses (6,272) (6,587) -5% (1,962) (2,133) -8% Impairment charge (14) (1,003) -99% (200) (7) +2702% Other income (expenses)1 (694) (696) -0% (235) (18) +1234% Net income before zakat & tax 20,826 17,484 +19% 7,176 6,243 +15% Zakat and income tax expense (2,178) (1,760) +24% (740) (627) +18% Net income 18,648 15,724 +19% 6,436 5,615 +15% NSCI margin2 2.90% 3.04% -14bps 2.82% 2.98% -16bps Cost to income ratio 22.6% 25.6% -301bps 20.5% 24.8% -429bps Cost of risk 0.00% 0.22% -22bps 0.12% -0.01% +13bps 19% net income before zakat growth YoY on solid revenue and low impairments Domestic (Group, Excl. Int’l) 1 Other income (expenses) includes other non-operating expenses and amortization of intangibles | 2 NSCI margin calculation excludes FV unwind of ¥ 270mn (9M 2024: ¥ 288mn) | 3Q 2025 - Investor Presentation 44 Operating income: +8% 1 637.1 695.3 704.4 +11% +1% QoQ 4Q 24 2Q 25 3Q 25 Financing & Advances, net (¥bn) 556.7 632.9 612.3 +10% -3% QoQ 4Q 24 2Q 25 3Q 25 Customers' Deposits (¥bn) -2%
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 113 365 303 (79) (17) 7,174 7,858 +1% -48% -7% -49% +50% +10% 9M 24 NSCI Fee & other income Operating expenses Impair- ments Other income (expenses) 9M 25 Net Income Before Zakat & Tax Movement YoY (¥mn)¥ (mn) 3Q 2025 2Q 2025 Δ 3Q 2025 4Q 2024 Δ Total assets 442,786 431,140 +3% 442,786 428,303 +3% Financing and advances, net 353,462 343,192 +3% 353,462 343,586 +3% Total liabilities 364,763 381,943 -4% 364,763 354,065 +3% Customers' deposits 355,050 371,738 -4% 355,050 343,886 +3% 9M 2025 9M 2024 Δ 3Q 2025 4Q 2024 Δ Net special commission income 12,815 12,702 +1% 4,354 3,799 +15% Fee & other income 85 164 -48% (68) 206 -133% Total operating income 12,899 12,866 +0% 4,286 4,005 +7% Operating expenses (4,672) (5,037) -7% (1,421) (1,709) -17% Impairments (316) (619) -49% (102) (583) -83% Other income (expenses) (53) (35) +50% (20) (12) +64% Net income before zakat & tax 7,858 7,174 +10% 2,743 1,701 +61% Cost to income ratio 36.2% 39.2% -294bps 33.1% 42.7% -952bps Cost of risk 0.12% 0.25% -13bps 0.12% 0.67% -56bps 10% net income before zakat growth YoY on cost discipline and low impairments Retail Operating income: 0% | 3Q 2025 - Investor Presentation 45 343.6 343.2 353.5 +3% +3% QoQ 4Q 24 2Q 25 3Q 25 Financing & Advances, net (¥bn) 343.9 371.7 355.1 +3% -4% QoQ 4Q 24 2Q 25 3Q 25 Customers' Deposits (¥bn)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 865 1,096 687 16 (67) 8,891 11,487 +12% +28% +4% -179% -39% +29% 9M 24 NSCI Fee & other income Operating expenses Impair- ments Other income (expenses) 9M 25 Net Income Before Zakat & Tax Movement YoY (¥mn)¥ (mn) 3Q 2025 2Q 2025 Δ 3Q 2025 4Q 2024 Δ Total assets 694,448 705,139 -2% 694,448 620,429 +12% Financing and advances, net 347,301 348,175 -0% 347,301 290,053 +20% Total liabilities 595,936 575,795 +3% 595,936 517,142 +15% Customers' deposits 256,815 261,159 -2% 256,815 211,999 +21% 9M 2025 9M 2024 Δ 3Q 2025 4Q 2024 Δ Net special commission income 7,994 7,129 +12% 2,711 2,912 -7% Fee & other income 4,947 3,851 +28% 1,782 1,331 +34% Total operating income 12,940 10,980 +18% 4,493 4,243 +6% Operating expenses (1,731) (1,664) +4% (592) (403) +47% Impairments 302 (385) -179% (98) 577 -117% Other income (expenses) (24) (40) -39% (10) (2) +525% Net income before zakat & tax 11,487 8,891 +29% 3,792 4,416 -14% Cost to income ratio 13.4% 15.2% -178bps 13.2% 9.5% +368bps Cost of risk -0.12% 0.19% -31bps 0.12% -0.79% +91bps 29% net income before zakat growth YoY supported by operating income growth and low impairments Wholesale Operating income: +18% | 3Q 2025 - Investor Presentation 46 290.1 348.2 347.3 +20% -0% QoQ 4Q 24 2Q 25 3Q 25 Financing & Advances, net (¥bn) 212.0 261.2 256.8 +21% -2% QoQ 4Q 24 2Q 25 3Q 25 Customers' Deposits (¥bn)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest 108 17 3 (66) (0) 1,419 1,481 -18% +7% -3% -48% -63% +4% 9M 24 NSCI Fee & other income Operating expenses Impair- ments Other income (expenses) 9M 25 Net Income Before Zakat & Tax Movement YoY (¥mn) Net income before zakat increased 4% YoY impacted by lower market activity Capital Markets Operating income: +2% ¥ (mn) 3Q 2025 2Q 2025 Δ 3Q 2025 4Q 2024 Δ Total assets 32,319 29,514 +10% 32,319 23,348 +38% Financing and advances, net 3,649 3,910 -7% 3,649 3,450 +6% Total liabilities 15,549 13,788 +13% 15,549 11,288 +38% Fiduciary assets1 291,686 273,896 +6% 291,686 264,767 +10% 9M 2025 9M 2024 Δ 3Q 2025 4Q 2024 Δ Net special commission income 299 365 -18% 53 128 -59% Fee & other income 1,668 1,560 +7% 743 229 +224% Total operating income 1,967 1,925 +2% 795 357 +123% Operating expenses (484) (501) -3% (154) (226) -32% Impairments 0 1 -48% 0 (1) -100% Other income (expenses) (2) (5) -63% (0) (4) -99% Net income before zakat & tax 1,481 1,419 +4% 641 127 +406% Fees from assets management 710 710 -0% 288 181 +60% Fees from securities 229 356 -36% 74 101 -27% | 3Q 2025 - Investor Presentation 47 1 Includes asset management, securities and cash 175 134 107 98 114 -35% QoQ -23% -20% -8% +16% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Brokerage Volume Traded (¥bn) 273 265 273 274 292 +10% QoQ -3% +3% +0% +6% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Fiduciary Assets (¥bn)1
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest ¥ (mn) 3Q 2025 2Q 2025 Δ 3Q 2025 4Q 2024 Δ Total assets 37,054 35,205 +5% 37,054 32,075 +16% Financing and advances, net 20,677 19,562 +6% 20,677 17,165 +20% Total liabilities 33,318 31,585 +5% 33,318 28,384 +17% Customers' deposits 27,167 25,740 +6% 27,167 23,089 +18% NPL ratio 1.72% 1.68% +4bps 1.72% 2.40% -69bps NPL coverage ratio 120.3% 126.3% -6.0ppt 120.3% 103.4% +16.8ppt 9M 2025 9M 2024 Δ 3Q 2025 4Q 2024 Δ Net special commission income 542 609 -11% 190 86 +120% Fee & other income 919 668 +38% 382 300 +27% Total operating income 1,461 1,277 +14% 571 386 +48% Operating expenses (1,096) (1,076) +2% (324) (420) -23% Impairments (79) 4 -1872% (31) (18) +72% Other income (expenses) (251) (252) -0% (115) (13) +800% Net income before zakat & tax 35 (47) +174% 101 (65) +255% Zakat & income tax (99) (103) -5% (64) (30) +110% Non-controlling interests 43 63 -31% (4) 37 -112% Net income (20) (88) +77% 32 (59) +155% NSCI margin 2.17% 2.59% -42bps 2.18% 0.94% +125bps Cost to income ratio 75.0% 84.3% -932bps 56.7% 108.8% -5205bps Cost of risk 0.55% -0.04% +58bps 0.60% 0.41% +20bps Net income before zakat turned positive, driven by strong fee & other income and lower impairment charges International Operating income: +14% | 3Q 2025 - Investor Presentation 48 17.2 19.6 20.7 +20% +6% QoQ 4Q 24 2Q 25 3Q 25 Financing & Advances, net (¥bn) 23.1 25.7 27.2 +18% +6% QoQ 4Q 24 2Q 25 3Q 25 Customers' Deposits (¥bn) 252 0 (67) (20) (83) (47) 35 -11% +38% +2% -1,872% -0% +174% 9M 24 NSCI Fee & other income Operating expenses Impair- ments Other income (expenses) 9M 25 Net Income Before Zakat & Tax Movement YoY (¥mn)
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Appendix 08
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest SNB was founded as NCB in 1953 and then formed through the merger with Samba Financial Group in 2021 SNB History 1953 1997 2014 2021 A Beginning In 1953, the National Commercial Bank (NCB) was formed by Royal Decree The Largest and Fastest Merger in the Region In 2021, NCB merged with Samba Financial Group; creating the Saudi National Bank, KSA’s National banking champion and regional financial powerhouse Largest Initial Public Offering (IPO) In 2014, NCB went public with its benchmark ¥ 22.5bn IPO that was the largest the region had seen Continued Growth In 1997, NCB was converted to a joint stock company | 3Q 2025 - Investor Presentation 50
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest ▪ During 2022, the Turkish economy was identified to be hyperinflationary based under IAS 29. ▪ This standard requires non-monetary assets & liabilities be restated to reflect the changes in the general purchasing power of the reporting currency while keeping the monetary assets at their current values. ▪ Restatement is carried out by applying conversion factors derived from general price indices. The index published by the Turkish Statistical Institute is used to arrive at these conversion factors. Hyperinflationary adjustments came at ¥ 274mn for 9M 2025 Hyperinflation 1 Net income attributable to equity holders | 2 Operating expenses exclude amortization of intangibles Classification of Turkey as a hyperinflationary economy Resulting in hyperinflation adjustments impacting Group net income1 2 | 3Q 2025 - Investor Presentation 51 441 25 218 321 406 127 191 274 ¥ -48mn (-15%) FY 23 1Q 24 1H 24 9M 24 FY 24 1Q 25 1H 25 9M 25 Hyperinflation Adjustment (¥mn) 27,806 253 (6,272) (14) (2,873) (274) 18,648 18,628 Total operating income Operating expenses Risk cost Others Core domestic net income Hyper- inflation adjustment (HIA) Int'l Ex HIA 9M 25 Net income Net Income Contribution (¥mn) 1,691 1,859 2,139 2,319 2,526 2,685 2,955 3,132 3,367 +33% +49% +10% +15% +8% +9% +6% +10% +6% +8% 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 CPI Index
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest SNB Financial Ratio Definitions Definitions 1 After deducting Tier 1 Sukuk cost | 2 Tangible Equity excludes Goodwill, Intangible Assets, Perpetual Sukuk, and Minority Interest Net Special Commission Income Margin (NSCI Margin; also known as NIM) Annualized Net Special Commission Income excluding FV adjustment / Average commission earning assets Cost to Income Ratio (CIR) Total Operating Expense excluding Amortization of Intangible Costs / Total Operating Income Cost of Risk (CoR) Expected Credit Losses / Average Gross Financing and Advances including POCI Tier 1 CAR Total Tier 1 Capital (CET 1 + Additional Tier 1) / Risk Weighted Assets (RWA) Return on Tangible Equity (ROTE) Annualized Net Income1 / Average Tangible Equity2 ROTE, adjusted Annualized Net Income (before deducting Tier 1 Sukuk and Amortization of Intangible Costs) / Average Tangible Equity2 | 3Q 2025 - Investor Presentation 52
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Additional Information | 3Q 2025 - Investor Presentation 53 Write to Us The Saudi National Bank Tower, Unit No. 778 King Abdullah Financial District 3208, Al Aqeeq District, King Fahad Road Riyadh, Kingdom Of Saudi Arabia, 13519 - 6676 Email Us ir@alahli.com Access SNB’s current and previous Investor Disclosures SNB Investor Disclosures Access SNB’s 3Q 2025 Earnings Call Replay SNB’s 3Q 2025 Earnings Call Replay Access SNB’s Sustainability Reports SNB Sustainability Reports Visit our website alahli.com
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Forest Dark Lime Lemon Orange Slate Lime> Forest Lime > Dark Dark > Forest Disclaimer The Saudi National Bank (SNB) prepared this presentation on a proprietary basis as general background information about the activities of SNB. The information contained herein is given in summary form and for discussion purposes only. Some of the information that is relied upon by SNB is obtained from sources believed to be reliable, but SNB (nor any of its directors, officers, employees, agents, affiliates or subsidiaries) does not guarantee the accuracy or completeness of such information, and disclaims all liability or responsibility for any loss or damage caused by any act taken as a result of the information. This presentation including the information covered therein is not intended either to be relied upon or construed as an advertisement for, or an offer, solicitation or invitation to sell or issue, or to subscribe, underwrite or otherwise acquire any securities in any jurisdiction. It should and must not be treated as giving tax, legal, investment or other specialist advice or a recommendation to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. Neither shall any part of this information nor the fact of its distribution form part of or be relied on in connection with any contract or investment decision or commitment relating thereto, nor does it constitute a recommendation regarding the subject of this presentation. All statements included in this presentation other than statements of historical facts, including, without limitation, those regarding financial position, business strategy, plans and objectives of management for future operations (including development plans and objectives) are forward-looking statements and may thus include words like "anticipate", "believe", "intend", "estimate", "expect", "will", "may", "project", "plan" and such other words of similar meaning. Such forward-looking statements are based on numerous assumptions regarding present and future business strategies and the relevant future business environment. Any forward-looking statements speak only as of the date of this presentation and SNB expressly disclaims to the fullest extent permitted by law any obligation or undertaking to disseminate any updates or revisions to any forward-looking statements contained herein to reflect any change in expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is based. Nothing in the foregoing is intended to or shall exclude any liability for, or remedy in respect of, fraudulent misrepresentation. Due to rounding, numbers and percentages presented throughout this presentation may not add up precisely to the totals provided. SNB is not under any obligation to update, complete, amend, revise or keep current the information contained herein, and any opinions expressed herein are subject to change materially without notice. Accordingly, no representation or warranty, express or implied, is or will be made by SNB, their respective advisors or any such persons’ directors, officers or employees, or any other person as to the accuracy, completeness or fairness of the information or opinions contained in this presentation, and any reliance you place on them will be at your sole risk. Investors must rely solely on their own examinations of the Offering and relevant documentation in making a determination as to whether to invest in the securities described. An investor should seek independent professional advice when deciding if an investment is appropriate. Securities that may be discussed herein may not be suitable for all investors. Investors are required to make their own independent investigation and appraisal of the business and financial condition of SNB and its subsidiaries, the nature of the securities and the merits or suitability of the securities or any transaction to any investor’s particular situation and objectives, including the possible risks and benefits of purchasing any securities. Any such determination should involve an assessment of the legal, tax, accounting, regulatory, financial, credit or other related aspects of the offering or the securities. Without prejudice to the foregoing, SNB, their advisors and any such persons’ directors, officers or employees expressly disclaim any liability whatsoever, in negligence or otherwise, for any loss howsoever arising, directly or indirectly, from use of, or reliance on, this presentation or its contents or otherwise arising in connection therewith. | 3Q 2025 - Investor Presentation 54