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2Q 2026 Earnings Presentation 5 August 2026 Classified as Public / عام
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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. 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This presentation and the materials associated therewith, including the discussions during the Earnings Call, have been prepared on a proprietary basis. No recording, reproduction, summarization, distribution or reproduction of any part thereof (whether in whole or in part, and by any means whatsoever, including social media or electronic platforms) is permitted without the prior written consent of The Saudi National Bank, except that rating agencies and licensed research firms may summaries, quote or reproduce limited extracts from the presentation and the Earnings Call discussions solely for the purpose of preparing and distributing their research reports and credit opinions to their clients, provided such use is accurate, fair and not misleading. Access to this presentation or participation in the Earnings Call constitutes acceptance of these terms. The Bank reserves all its legal rights in the event of any infringement. 2| 2Q 2026 - Earnings Presentation
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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 Group CEO’s Opening Remarks 01 2Q 2026 Financials 03 Appendix 04 Progress on Strategy 02 Table of Contents
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Group CEO’s Opening Remarks 01
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SNB delivered ¥ 13.0 billion Net income for 1H 2026 and an attractive ROTE at 16.9%; SNB is at the heart of Saudi Arabia’s resilient economy and Vision 2030 transformation 5 Sensible Capital Allocation Focus on profitable growth in KSA Solid capital adequacy and robust governance Healthy liquidity profile SAMA LDR -454 bps YTD 77 .9% Capital Adequacy Ratio +82 bps YTD 22.0% 1 CIR excluding amortization of intangibles | 2 Refer to Definitions appendix | 3 Net Income Attributable to Equity Holders SNB National Banking Champion Market Share and Value Creation Operational Excellence Customer Centricity Innovation Talent Magnet Strategy pillars Value creation drivers Consistent Attractive Returns Driving Operational Efficiency Strong Growth Potential Resilient Funding Franchise Attractive Return on Tangible Equity Revenue consistently generated across all core business streams World-class efficiency ratio Enhancing operational efficiency Delivering sustainable productivity gains Maintaining disciplined cost management Vision 2030 initiatives driving Wholesale Banking in Corporate, MSME, GTB, etc. Favorable population demographics and large Retail scale Synergistic opportunities in Affluent, Wealth Management, and Capital Markets Strong deposit growth Lower funding costs despite a competitive funding environment Diversified and resilient balance sheet supporting future growth Net Income3 +7% YoY ﷼ 13.0bn ROTE2 -38 bps YoY 16.9% Domestic CIR1 -57 bps YoY 23.1% Group CIR1 -97 bps YoY 25.6% MSME +17% YTD ﷼ 94bn Total Financing +1.4% YTD ﷼ 740bn CASA +2% YTD ﷼ 472bn Total Customers’ Deposits +10% YTD ﷼698bn | 2Q 2026 - Earnings Presentation
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Progress on Strategy 02
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Financing growth CAGR 2024-27﷼ 654bn Low double digit 9% CASA growth CAGR 2024-27﷼ 419bn High single to low double digit 8% NSCI growth CAGR 2024-272﷼ 27.7bn High single digit 7% YoY Banking fee growth CAGR 2024-272﷼ 4.4bn Mid Teens 3% YoY Group CIR 28.3% <24% 25.6% Domestic CIR 25.3% <22% 23.1% CoR 16 bps 20-30 bps -9 bps Tier 1 CAR 20.3% 19-20% 20.6% ROTE ROTE, adjusted 16.2% 17.5% 17-18% 18-19% 16.9% 18.1% 1H 2026 marked steady progress towards our strategic 2027 Financial KPIs… 7 Strategy KPIs Review Metrics1 2024 Baseline 2027 Targets 1H 2026 1 Refer to definition appendix | 2 CAGR calculations for income statement metrics are updated annually | 2Q 2026 - Earnings Presentation
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….. and positive momentum in our non-financial 2027 KPIs 8 Strategy KPIs Review Share of Retail digital financing sales 15% 30% 33% SNB NEO customers 1 mn <5 mn ~1.9 mn AI & Data Use Cases 3 >30 21 Organizational Health Index (OHI) Baseline +20% - Training Days per Employee 2.5 +15% 2.7 SNB Capital AUM market share1 #1 #1 #1 SNB Capital Investment Banking market share2,3 #2 #1 #3 SNB Capital Brokerage market share #2 #1 #1 Metrics 2024 Baseline 2027 Targets 1H 2026 1 As of 1Q 2026 | 2 In terms of annual total investment banking revenues | 3 Investment banking market share information is available annually, therefore the figure reported as of 2Q 2026 represents the 2025 year end level | 2Q 2026 - Earnings Presentation
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2Q 2026 Financials 03
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Continued delivery against FY 2026 guidance with an updated outlook for financing growth & CoR; KSA Economy continues to demonstrate resilience Outlook & Guidance 10 1 Macro-economic Indicator Sources: SNB, KSA MoF, IMF. US Federal Reserve, Gastat, Eikon | 2 Macro-economic forecasts indicate 2026 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 2025 +4.5% 3.5-3.75% 2.0% USD 68 +4.9% 1H 2026 Actual FY 2026 GuidanceSNB Financial Guidance NSCI Growth +7% YoY Mid single digit Cost of Risk -9 bps 10 to 20 bps Tier 1 CAR 20.6% 19-20% Financing Growth +1.4% YTD Mid single digit FY 20262 +1.8% 3.5-3.75% 1.9% USD 85 +2.9% 25.6% 23.1% Group Cost to Income Ratio3 Domestic Cost to Income Ratio3 Below 25% Below 22.5% 16% to 17% 17% to 18% ROTE 18.1% 16.9% ROTE, adjusted4 FY 2025 Baseline ﷼ 29.2bn 15 bps 19.8% ﷼ 729bn 23.1% 20.3% 18.6% 17.2% Downgrade Unchanged Unchanged Upgrade Unchanged Status Unchanged | 2Q 2026 - Earnings Presentation
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+10% 698 YTD < +2% 472 YTD < -57 bps 23.1% YoY +1.4% 740 YTD < 1H Net income growth of 7% YoY was supported by higher Operating income, NIM expansion, cost discipline, strong credit quality, measured Asset growth and strong Deposits inflows 2Q 2026 Financial Performance Highlights +84 bps 20.6% YTD < Strong deposit inflows supported by strong credit quality creating sustainable shareholder value standout capital adequacy (Tier 1) Financing grew by ﷼ 10.3bn 11 -97 bps 25.6% YoY with OpEx1 increasing 2% YoY CIR Group2 CIR Domestic2 -38 bps 16.9% YoY+7% 13.0 YoY > Net income5 ROTE6 +7% 15.4 YoY < 4.8 YoY Oper. income grew 6% YoY to ﷼ 20.2bn NSCI Fee & other income +1% ¥ bn ¥ bn +2% 199 YTD < Mortgages +3% 160 YTD < Other Retail with ongoing Retail momentum, +2.4% -454 bps 77.9% YTD robust liquidity (SAMA LDR) and improved NSCI margin -1 bps 0.67% YTD-5 bps -9 bps YoY NPL Ratio4Cost of Risk3 +4% 328 YTD -26% 28 YTD > And measured expansion of Wholesale by +0.5% Corporate & MSME FI Total deposits CASA 1 Operating expenses exclude amortization of intangibles of ﷼ 410mn in 1H 2026 and 1H 2025 | 2 CIR excluding amortization of intangibles | 3 Including POCI | 4 NPL Ratio excluding POCI | 5 Net Income Attributable to Equity Holders | 6 After Tier 1 Sukuk and Intangible costs +2 bps 2.94% YoY+17 bps 3.02% QoQ > ﷼ bn ﷼ bn﷼ bn﷼ bn﷼ bn ﷼ bn﷼ bn ﷼ bn﷼ bn﷼ bn | 2Q 2026 - Earnings Presentation
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Assets grew 3% YTD with ongoing focus on value driven growth in Financing & Investments; Liabilities grew 2%, with a larger focus on growth of Customers’ deposits Balance Sheet Summary Domestic: +3% Int’l +4% Domestic: +2% Int’l +4% 12 190 158 147 636 665 698 133 143 143 47 47 42 1,006.2 1,013.8 1,029.8 +2% +2% QoQ 4Q 25 1Q 26 2Q 26 Total Liabilities (¥bn) Interbank Customers' Deposits Debt Securities & Term Loans Other 68 75 90 320 323 322 729 733 740 93 98 93 1,210.0 1,228.5 1,244.7 +3% +1% QoQ 4Q 25 1Q 26 2Q 26 Total Assets (¥bn) Cash & interbank Investments Financing Other 21.6 2.5 9.5 1.6 (0.5) 1,210.0 1,244.7 +36% +1% +1.3% -1% +4% +3% 4Q 25 Cash & interbank Investments Financing & advances Other assets Int'l 2Q 26 Total Assets Movement YTD (¥bn) 60.8 10.0 1.2 (43.3) (5.0) 1,006.2 1,029.8 -23% +10% +8% -11% +2% 4Q 25 Interbank Customers' deposits Debt securities & term loans Other liabilities Int'l 2Q 26 Total Liabilities Movement YTD (¥bn) | 2Q 2026 - Earnings Presentation
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4.1 4.2 11.5 0.7 (9.7) (0.5) 729.3 739.6 +2% +3% +4% -26% -14% +4% +1.4% 4Q 25 Mortgages Other Retail Corporate & MSME FI Others Int'l 2Q 26 Financing & Advances, Net Movement YTD (¥bn) Consumer 48.6% (+0.5ppts) Commerce 14.1% (+0.6ppts) Utilities & health 9.9% (+1.1ppts) Manufacturing 6.2% (-0.2ppts) Banking & financials 4.2% (-1.6ppts) Transport & comms 4.3% (-0.7ppts) Govt. & quasi Govt. 2.2% (+0.0ppts) Building & construction 1.6% (-0.0ppts) Other sectors 9.0% (+0.2ppts) Financing & Advances, Net by Sector (%) and YTD change (ppts) Financing grew by ¥ 10.3bn YTD driven by ¥ 11.5bn in Corporate & MSME and ¥ 8.3bn in Retail, with a partial offset in FI by ¥ 9.7bn Financing & Advances Domestic: +1.3% Int’l +4% Retail: +﷼ 8.3bn (+2.4%) 13 Wholesale: +﷼1.7bn (+0.5%) FY 2026 Guidance Mid single digit 351 357 359 237 235 234 38 30 2880 87 9420 21 214 3 3729.3 732.7 739.6 +1.4% +1% QoQ 4Q 25 1Q 26 2Q 26 Financing & Advances, Net (¥bn) Retail Corporate FI MSME Int'l Others Retail 48.6% (+0.5ppts) Corporate 31.7% (-0.7ppts) MSME 12.7% (+1.7ppts) FI 3.8% (-1.4ppts) Int'l 2.8% (+0.1ppts) Others 0.4% (-0.1ppts) Financing & Advances, Net Composition (%) and YTD change (ppts) | 2Q 2026 - Earnings Presentation
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179 178 171 105 108 113 31 32 345 5 5 320.0 323.2 322.2 +1% -0% QoQ 4Q 25 1Q 26 2Q 26 Investments, Net by Instrument (¥bn) SGDS Other fixed income Funds & equity Int'l Saudi Arabia 58.0% (-3.0ppts) USA 21.4% (+2.4ppts) GCC & Middle East 4.4% (-0.2ppts) Europe 3.1% (-0.1ppts) Turkey 0.9% (-0.2ppts) Other 12.2% (+1.1ppts) Investments, Net by Geography (%) and YTD change (ppts) Investments increased 1% YTD while retaining strong quality; Growth was primarily driven by Other fixed income, and Funds & equity 1 Saudi Government Debt Securities including SAMA bills (investment grade) Investments 1 Domestic: +1% Int’l -5% 14 31 33 35 94 96 97 195 194 190 320.0 323.2 322.2 +1% -0% QoQ 4Q 25 1Q 26 2Q 26 Investments, Net (¥bn) Held at FVIS Held at FVOCI Held at amortised cost 7.5 2.9 (8.0) (0.3) 320.0 322.2 -4% +7% +9% -5% +1% 4Q 25 SGDS Other fixed income Funds & equity Int'l 2Q 26 Investments, Net Movement YTD (¥bn) | 2Q 2026 - Earnings Presentation
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Customers’ deposits expanded by ¥ 62bn YTD supported by strong inflows; Domestic Time & other grew 34% alongside Domestic CASA growth of 2% Customers' Deposits Domestic: +10% Int’l +5% 15 Domestic 96.2% (+0.2ppts) Int'l 3.8% (-0.2ppts) Customers' Deposits by Geography (%) and YTD change (ppts) 464 476 472 146 168 20226 22 25 636.1 665.5 698.2 +10% +5% QoQ 4Q 25 1Q 26 2Q 26 Customers' Deposits (¥bn) CASA Time Other 8.0 52.7 2.0 (0.7)636.1 698.2 +2% +34% -7% +13% +10% 4Q 25 CASA Time & other CASA Time & other 2Q 26 Customers' Deposits Movement YTD (¥bn) CASA 67.5% (-5.4ppts) Time 28.9% (+5.9ppts) Other 3.6% (-0.5ppts) Customers' Deposits by Type (%) and YTD change (ppts) 75.9% 76.2% 73.0% 71.5% 67.5% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 CASA Ratio (%) | 2Q 2026 - Earnings Presentation
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17.3% 17.5% 17.2% 16.7% 16.9% 18.7% 18.9% 18.6% 18.0% 18.1% ROTE ROTE, adj. 2.2% 2.2% 2.2% 2.2% 2.2% 1H 25 9M 25 FY 25 1Q 26 1H 26 Returns YTD (%) ROTA (53) 716 251 90 (154) (25) (60) 12,159 12,212 12,939 13,029 +5% -4% +1% +135% +3% +7% +6% 1H 25 Int'l Group Ex Int’l NSCI Fee & other income Opex Impairments Other Group Ex Int’l Int'l 1H 26 Cumulative Net Income Attributed To Equity Holders Movement YoY (¥mn) 576 237 8 61 1 (384) (28) 6,137 6,136 6,545 6,606 +8% +11% -0% -211% +3% +8% +7% 2Q 25 Int'l Group Ex Int’l NSCI Fee & other income Opex Impairments Other Group Ex Int’l Int'l 2Q 26 Quarterly Net Income Attributed To Equity Holders Movement YoY (¥mn) Net income increased 7% YoY, driven by higher Operating income, continued cost discipline, and strong credit quality Income Statement Summary 16 1 FY 2026 Guidance ROTE3: 16%-17% ROTE, adj.3: 17%-18% 3 1 Operating expenses exclude amortization of intangibles of ﷼ 410mn in 1H 2026 and 1H 2025 (﷼ 205mn in 2Q 2026 and 2Q 2025) | 2 Other includes amortization of intangibles, other non-operating expenses and zakat | 3 Refer to Definitions appendix Operating income: +﷼562mn (+3%) 1 2 2 Operating income: +﷼813mn (+9%) 6,136 6,393 6,545 1 30 61 6,137 6,423 6,606 +8% +3% QoQ 2Q 25 1Q 26 2Q 26 Net Income (¥mn) Group, excl. Int'l Int'l | 2Q 2026 - Earnings Presentation
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235 316 158 1 652 307 14,335 14,028 14,739 15,390 +2% +3% +3% +0% +7% +5% 1H 25 Int'l Group Ex Int’l Retail financing Wholesale financing Inv. & placements CoF Group Ex Int’l Int'l 1H 26 Net Special Commission Income Movement YoY (¥mn) 2.91% 2.94% 2.95% 2.98% NSCI Margin NSCI Margin inc. FV unwind 351 364 324 350 280 30029 28 982.7 1,041.8 1H 25 1H 26 Average Earning Assets and NSCI Margin YTD (¥bn) Retail financing Wholesale financing Investments & Placements Int'l 6,944 7,181 7,520 140 315 374 7,084 7,496 7,894 +11% +5% QoQ 2Q 25 1Q 26 2Q 26 NSCI (¥mn) NSCI Int'l 7% NSCI growth YoY driven by the positive impact of repricing and a careful management of funding costs; NSCI Margin improved to reach 3.02% in 2Q 2026 NSCI & Margin 1 Unless specified, NSCI margin excludes commissions FV unwind of ﷼ 221mn (1H 2025: ﷼ 138mn) 17 1 2.79% 2.80% 2.85% 2.85% 3.02% 2.83% 2.82% 2.81% 2.81% 2.96% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 NSCI Margin QTR (%) Group Group, excl Int'l 6.00% 6.12% 6.00% 5.68% 5.91% 3.49% 3.52% 3.36% 3.06% 3.09% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Group Commission Yield & Funding Cost QTR (%) Commission yield CoF FY 2026 Guidance Mid single digit +6% YoY | 2Q 2026 - Earnings Presentation
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243 108 496 398 (47) (68) (263) 2,481 2,083 2,056 2,553 -29% -13% +56% -39% +36% +3% -1% 1H 25 Int'l Group Ex Int’l Brokerage Inv. Mgt. Financing & cards Trade finance Other Group Ex Int’l Int'l 1H 26 Fee Income From Banking Services, Net Movement YoY (¥mn) 1,033 1,084 972 211 226 270 1,243 1,310 1,243 -0% -5% QoQ 2Q 25 1Q 26 2Q 26 Fee Income From Banking Services, Net (¥mn) Group, excl. Int'l Int'l 63 66 750 540 (26) (258) 4,787 4,247 4,093 4,843 -1% +7% +3% +38% +1% -4% 1H 25 Int'l Group Ex Int’l Fee income from banking services FX Inv.-related Other expenses Group Ex Int’l Int'l 1H 26 Fee and Other Income Movement YoY (¥mn) Fee & other income increased 1% YoY; growth in FX, International and Investment-related income was offset by softer Trade Finance and Capital Markets activity Fee & Other Income 1 Other includes Cash management, POS and Remittance income 18 1 2,140 1,716 2,377 286 438 311 2,426 2,154 2,689 +11% +25% QoQ 2Q 25 1Q 26 2Q 26 Fee & Other Income (¥mn) Group, excl. Int'l Int'l | 2Q 2026 - Earnings Presentation
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2,174 2,169 2,166 386 427 419 2,560 2,596 2,585 +1% -0% QoQ 2Q 25 1Q 26 2Q 26 Operating Expenses (¥mn) Group, excl. Int'l Int'l 26.6% 0.1% 0.4% -0.8% -0.7% 25.6% -97 bps 1H 25 Domestic NOR Domestic OPEX Int'l NOR Int'l OPEX 1H 26 Cost to Income Ratio Movement YoY (%) 26.6% 25.2% 23.1% 26.9% 25.6% 23.6% 22.6% 20.3% 24.4% 23.1% 1H 25 9M 25 FY 25 1Q 26 1H 26 Cost to Income Ratio YTD (%) Group Group, excl. Int'l OpEx was contained to 2% YoY while improving sequentially by -0.4% QoQ reflecting ongoing optimization initiatives and continued cost discipline Operating Expenses 1 Operating expenses exclude amortization of intangibles of ﷼ 410mn in 1H 2026 and 1H 2025 1 1 1 Domestic: -63 bps Int’l: -34 bps 19 1 FY 2026 Guidance Group: Below 25% Domestic: Below 22.5% 1 33 22 846 772 (17) (12) 5,081 4,310 4,335 5,181 +2% -9% +4% -1% +2% +1% 1H 25 Int'l Group Ex Int’l Employee- related Premises Depreciation G&A Group Ex Int’l Int'l 1H 26 Total Operating Expenses Movement YoY (¥mn)1 | 2Q 2026 - Earnings Presentation
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Cost of risk came in at -9 bps YTD, reflecting continued prudent credit risk management Financing Credit Impairments & Cost of Risk 1 CoR including POCI 20 1 Domestic: -6 bps Int’l: +2 bps FY 2026 Guidance 10 to 20 bps1 -0.04% 0.02% 0.15% -0.32% -0.09% -0.06% 0.00% 0.13% -0.36% -0.12% 1H 25 9M 25 FY 25 1Q 26 1H 26 Cost of Risk YTD (%) Group Group, excl. Int'l 0.06% 0.02% -0.12% -0.04% -0.09% -5 bps 1H 25 Retail Wholesale Int'l 1H 26 Cost of Risk Movement YoY (%) 239 116 48 (486) (139) (187) (434) (317) +121% +111% +128% +132% 1H 25 Int'l Group Ex Int’l Wholesale Retail Group Ex Int’l Int'l 1H 26 Impairment Charge for Financing and Advances Losses Movement YoY (¥mn) (182) (638) 20412 61 56 (170) (577) 260 -145% QoQ 2Q 25 1Q 26 2Q 26 Impairment Charge for Financing and Advances Losses YoY (¥mn) Group Ex Int’l Int'l | 2Q 2026 - Earnings Presentation
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4,648 4,554 4,633 354 388 381 5,001 4,942 5,014 +0% +1% QoQ 4Q 25 1Q 26 2Q 26 Non-Performing financing and advances (¥mn) Group, excl. Int'l Int'l 0.34% 0.27% 0.32% 0.26% 0.27% 6.4% 8.3% 5.1% 6.5% 7.9% 76.4% 78.4% 76.2% 78.6% 76.7% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Coverage by Stage (%) Stage 1 Stage 2 Stage 3 Asset quality remained strong YTD, with continued low NPL ratios and healthy stage-wise coverage levels Credit Quality 1 Presented NPL Ratio excludes POCI (2Q 2026 NPL Ratio including POCI: 0.79%) 21 1 Domestic: -0% Int’l: +8% 0.81% 0.80% 0.68% 0.67% 0.67% 0.78% 0.78% 0.65% 0.63% 0.64% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 NPL Ratio (%) Group Group, excl. Int'l 5,014153 27 898 (167) 5,001 5,912 +12% -5% +8% +0% NPLs 4Q 25 Retail Wholesale Int'l NPLs 2Q 26 POCI balance Impaired financing 2Q 26 Credit Impaired Financing Movement YTD (¥mn) | 2Q 2026 - Earnings Presentation
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20.6% 20.8% 21.2% 21.9% 22.0% 19.5% 19.5% 19.8% 20.6% 20.6% 17.3% 17.6% 17.7% 17.9% 18.0% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Capitalization Ratios (%) CAR Tier 1 ratio CET1 ratio 79.2% 82.8% 82.5% 80.1% 77.9% 90.0% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 SAMA Loan-to-Deposit Ratio (%) SAMA LDR Regulatory ceiling 112% 112% 114% 116% 119% 227% 263% 285% 312% 244% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Liquidity Ratios (%) NSFR LCR Capitalization remained healthy, reflecting solid earnings generation and successful AT1 issuance; Liquidity ratios remain well cushioned 1 Quarterly Average Capitalization & Liquidity 22 1 FY 2026 Guidance Tier 1 ratio: 19-20% 175.6 13.0 5.5 0.3 (6.9) (0.7) 186.8 +6% 4Q 25 Net income Dividend payout OCI Net AT1 & T2 FX reserve & Other 2Q 26 Total Eligible Capital Movement YTD (¥bn) | 2Q 2026 - Earnings Presentation
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Questions & Answers
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Appendix 04
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25 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 SNB’s comprehensive strategy prioritizes sustainable growth in the Kingdom and embraces a customer-centric approach, while championing innovation SNB Strategy 2025-2027 | 2Q 2026 - Earnings Presentation
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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 26| 2Q 2026 - Earnings Presentation
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27 Additional Information Contact 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 2Q 2026 Earnings Call Replay SNB’s 2Q 2026 Earnings Call Replay Access SNB’s Sustainability Reports SNB Sustainability Reports Visit our website alahli.com | 2Q 2026 - Earnings Presentation