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3Q 2026 Earnings Presentation 2 November 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| 3Q 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 3Q 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 record ¥ 19.5 billion Net income for 9M 2026 and an attractive ROTE at 16.8%; 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 +81 bps YoY 83.6% Capital Adequacy Ratio +38 bps YoY 21.1% 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 Balance Sheet Strength & Funding Resilience Attractive Return on Tangible Equity Revenue consistently generated across all core business streams Maintaining world-class efficiency ratio Leveraging digitization and automation to improve operational performance Delivering sustainable productivity gains Maintaining disciplined cost management while investing in strategic priorities 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 Diversified and resilient balance sheet Healthy Customers' deposit growth Competitive funding costs despite challenging funding and interest rate environment Net Income3 +5% YoY ﷼ 19.5bn ROTE2 -66 bps YoY 16.8% Domestic CIR1 -0 bps YoY 22.6% Group CIR1 -3 bps YoY 25.1% MSME +19% YTD ﷼ 95bn Total Financing +4% YTD ﷼ 758bn Customers’ Deposits +5% YTD ﷼ 670bn Total Assets +4% YTD ﷼1.3tn | 3Q 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 +3% NSCI growth CAGR 2024-272﷼ 27.7bn High single digit +8% YoY Banking fee growth CAGR 2024-272﷼ 4.4bn Mid Teens +6% YoY Group CIR 28.3% <24% 25.1% Domestic CIR 25.3% <22% 22.6% CoR 16 bps 20-30 bps 0 bps Tier 1 CAR 20.3% 19-20% 19.8% ROTE ROTE, adjusted 16.2% 17.5% 17-18% 18-19% 16.8% 18.1% 9M 2026 marked steady progress towards our strategic 2027 Financial KPIs… 7 Strategy KPIs Review Metrics1 2024 Baseline 2027 Targets 9M 2026 1 Refer to definition appendix | 2 CAGR calculations for income statement metrics are updated annually | 3Q 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% 38% SNB NEO customers 1 mn <5 mn ~2 mn AI & Data Use Cases 3 >30 22 Organizational Health Index (OHI) Baseline +20% - Training Days per Employee 2.5 +15% 3.15 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 9M 2026 1 As of 2Q 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 3Q 2026 represents the 2025 year end level | 3Q 2026 - Earnings Presentation
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3Q 2026 Financials 03
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Continued delivery against FY 2026 guidance with an updated positive outlook for 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% 9M 2026 Actual FY 2026 GuidanceSNB Financial Guidance NSCI Growth +8% YoY Mid single digit Cost of Risk 0 bps 5 to 15 bps Tier 1 CAR 19.8% 19-20% Financing Growth +4% YTD Mid single digit FY 20262 -3.6% 4.0-4.25% 2.1% USD 85 +3.2% 25.1% 22.6% Group Cost to Income Ratio3 Domestic Cost to Income Ratio3 Below 25% Below 22.5% 16% to 17% 17% to 18% ROTE 18.1% 16.8% ROTE, adjusted4 FY 2025 Baseline ﷼ 29.2bn 15 bps 19.8% ﷼ 729bn 23.1% 20.3% 18.6% 17.2% Unchanged Unchanged Unchanged Upgrade Unchanged Status Unchanged | 3Q 2026 - Earnings Presentation
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+5% 670 YTD < -4% 444 YTD -0 bps 22.6% YoY +4% 758 YTD < 9M Net income growth of +5% YoY was supported by higher Operating income on NSCI expansion, continued cost discipline, strong credit quality, and Asset growth 3Q 2026 Financial Performance Highlights +0 bps 19.8% YTD < Healthy deposit balances supported by strong credit quality creating sustainable shareholder value standout capital adequacy (Tier 1) Financing grew by ﷼ 29bn 11 -3 bps 25.1% YoY with OpEx1 increasing 4% YoY CIR Group2 CIR Domestic2 -66 bps 16.8% YoY+5% 19.5 YoY > Net income5 ROTE6 +8% 23.4 YoY < 7.2 YoY Oper. income grew 5% YoY to ﷼ 30.6bn NSCI Fee & other income -6% ¥ bn ¥ bn +2% 200 YTD < Mortgages +6% 166 YTD < Other Retail with ongoing Retail momentum, +4% +109 bps 83.6% YTD robust liquidity (SAMA LDR) and resilient NSCI margin +0 bps 0.68% YTD-2 bps 0 bps YoY NPL Ratio4Cost of Risk3 +7% 340 YTD -23% 29 YTD > matched by expansion in Wholesale by +4% Corporate & MSME FI Total deposits CASA 1 Operating expenses exclude amortization of intangibles of ﷼ 615mn in 9M 2026 and 9M 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 +6 bps 2.93% YoY-9 bps 2.93% QoQ ﷼ bn ﷼ bn﷼ bn﷼ bn﷼ bn ﷼ bn﷼ bn ﷼ bn﷼ bn﷼ bn 3 Month 9 Month | 3Q 2026 - Earnings Presentation
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Assets grew +4% YTD supported by higher Financing & Investments; Liabilities grew +5% YTD, supported by Customers’ deposits Balance Sheet Summary Domestic: +4% Int’l +4% Domestic: +5% Int’l +3% 12 10.9 3.9 27.8 8.1 1.5 1,210.0 1,262.3 +18% +1% +4% +9% +4% +4% 4Q 25 Cash & interbank Investments Financing & advances Other assets Int'l 3Q 26 Total Assets Movement YTD (¥bn) 190 147 193 636 698 670 133 143 133 47 42 56 1,006.2 1,029.8 1,052.5 +5% +2% QoQ 4Q 25 2Q 26 3Q 26 Total Liabilities (¥bn) Interbank Customers' Deposits Debt Securities & Term Loans Other 3.6 32.3 0.4 9.2 0.8 1,006.2 1,052.5 +2% +5% +0% +20% +5% 4Q 25 Interbank Customers' deposits Debt securities & term loans Other liabilities Int'l 3Q 26 Total Liabilities Movement YTD (¥bn) 68 90 79 320 322 324 729 740 758 93 93 101 1,210.0 1,244.7 1,262.3 +4% +1% QoQ 4Q 25 2Q 26 3Q 26 Total Assets (¥bn) Cash & interbank Investments Financing & advances Other | 3Q 2026 - Earnings Presentation
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4.8 10.1 22.9 1.0 (8.7) (1.3) 729.3 758.1 +2% +6% +7% -23% -35% +5% +4% 4Q 25 Mortgages Other Retail Corporate & MSME FI Others Int'l 3Q 26 Financing & Advances, Net Movement YTD (¥bn) Financing grew by +4% YTD driven by +7% in Corporate & MSME and +4% in Retail, with a partial offset in FI by -23% Financing & Advances Domestic: +4% Int’l +5% Retail: + ¥ 14.8bn (+4%) 13 Wholesale: + ¥ 14.2bn (+4%) FY 2026 Guidance Mid single digit 351 359 366 237 234 244 38 28 2980 94 9520 21 214 3 2729.3 739.6 758.1 +4% +3% QoQ 4Q 25 2Q 26 3Q 26 Financing & Advances, Net (¥bn) Retail Corporate FI MSME Int'l Others Retail 48.3% (+0.1ppts) Corporate 32.2% (-0.2ppts) MSME 12.6% (+1.6ppts) FI 3.8% (-1.3ppts) Int'l 2.8% (+0.0ppts) Others 0.3% (-0.2ppts) Financing & Advances, Net Composition (%) and YTD change (ppts) Consumer 48.3% (+0.1ppts) Commerce 13.9% (+0.5ppts) Utilities & health 10.2% (+1.4ppts) Manufacturing 6.1% (-0.3ppts) Banking & financials 5.1% (-0.7ppts) Transport & comms 4.1% (-1.0ppts) Govt. & quasi Govt. 2.1% (+0.0ppts) Building & construction 1.8% (+0.1ppts) Other sectors 8.5% (-0.2ppts) Financing & Advances, Net by Sector (%) and YTD change (ppts) 1 Others includes margin lending and fair value adjustments 1 1 | 3Q 2026 - Earnings Presentation
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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 +7% 14 31 35 38 94 97 94 195 190 192 320.0 322.2 324.3 +1% +1% QoQ 4Q 25 2Q 26 3Q 26 Investments, Net (¥bn) Held at FVIS Held at FVOCI Held at amortised cost 179 171 170 105 113 112 31 34 375 5 5 320.0 322.2 324.3 +1% +1% QoQ 4Q 25 2Q 26 3Q 26 Investments, Net by Instrument (¥bn) SGDS Other fixed income Funds & equity Int'l Saudi Arabia 58.0% (-3.1ppts) USA 20.3% (+1.4ppts) GCC & Middle East 4.2% (-0.4ppts) Europe 3.8% (+0.7ppts) Turkey 1.1% (+0.0ppts) Other 12.6% (+1.4ppts) Investments, Net by Geography (%) and YTD change (ppts) 6.8 5.8 0.4 (8.7) 320.0 324.3 -5% +6% +19% +7% +1% 4Q 25 SGDS Other fixed income Funds & equity Int'l 3Q 26 Investments, Net Movement YTD (¥bn) | 3Q 2026 - Earnings Presentation
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Domestic 96.0% (-0.0ppts) Int'l 4.0% (+0.0ppts) Customers' Deposits by Geography (%) and YTD change (ppts) 51.8 2.4 (19.6) (0.9) 636.1 669.9 -4% +33% -9% +16% +5% 4Q 25 CASA Time & other CASA Time & other 3Q 26 Customers' Deposits Movement YTD (¥bn) Customers’ deposits grew by +5% YTD driven primarily by +32% in Time & other, partially offset by 4% lower CASA Customers' Deposits Domestic: +5% Int’l +6% 15 76.2% 73.0% 71.5% 67.5% 66.2% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 CASA Ratio (%) CASA 66.2% (-6.7ppts) Time 30.2% (+7.2ppts) Other 3.6% (-0.4ppts) Customers' Deposits by Type (%) and YTD change (ppts) 464 472 444 146 202 202 26 25 24 636.1 698.2 669.9 +5% -4% QoQ 4Q 25 2Q 26 3Q 26 Customers' Deposits (¥bn) CASA Time Other | 3Q 2026 - Earnings Presentation
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6,436 6,545 6,411 32 61 39 6,469 6,606 6,450 -0% -2% QoQ 3Q 25 2Q 26 3Q 26 Net Income (¥mn) Group, excl. Int'l Int'l 2.2% 2.2% 2.2% 2.2% 2.2% 9M 25 FY 25 1Q 26 1H 26 9M 26 Returns YTD (%) ROTA (20) 1,246 206 129 (552) (157) (43) 18,628 18,648 19,350 19,479 +6% -8% +2% -1,513% +1% +5% +4% 9M 25 Int'l Group Ex Int’l NSCI Fee & other income Opex Impairments Other Group Ex Int’l Int'l 9M 26 Cumulative Net Income Attributed To Equity Holders Movement YoY (¥mn) 17.5% 17.2% 16.7% 16.9% 16.8% 18.9% 18.6% 18.0% 18.1% 18.1% ROTE ROTE, adj. 32 544 18 (411) (131) (45) 396,469 6,436 6,411 6,450 +8% -17% +7% +22% -2% -0% -0% 3Q 25 Int'l Group Ex Int’l NSCI Fee & other income Opex Impairments Other Group Ex Int’l Int'l 3Q 26 Quarterly Net Income Attributed To Equity Holders Movement YoY (¥mn) Net income increased +5% YoY, driven by higher Operating income on NSCI expansion, 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 ﷼ 615mn in 9M 2026 and 9M 2025 (﷼ 205mn in 3Q 2026 and 3Q 2025) | 2 Other includes amortization of intangibles, other non-operating expenses and zakat | 3 Refer to Definitions appendix Operating income: +﷼695mn (+2%) 1 2 2 Operating income: +﷼133mn (+1%) | 3Q 2026 - Earnings Presentation
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2.88% 2.93% 2.91% 2.99% NSCI Margin NSCI Margin inc. FV unwind 596 243 389 1,016 477 1721,626 21,149 22,394 23,411 +4% +1% +0% -2% +8% +6% 9M 25 Int'l Group Ex Int’l Retail financing Wholesale financing Inv. & placements CoF Group Ex Int’l Int'l 9M 26 Net Special Commission Income Movement YoY (¥mn) 350 367 328 349 283 300 33 31994.1 1,046.4 9M 25 9M 26 Average Earning Assets and NSCI Margin YTD (¥bn) Retail financing Wholesale financing Investments & Placements Int'l +8% NSCI growth YoY driven by +2% increase in SCI and 4% reduction in SCE; NSCI Margin improved YoY to reach 2.93% in 9M 2026 NSCI & Margin 1 Unless specified, NSCI margin excludes commissions FV unwind of ¥ 467mn (9M 2025: ¥ 270mn) 17 1 FY 2026 Guidance Mid single digit +5% YoY 2.80% 2.85% 2.85% 3.02% 2.93% 2.82% 2.81% 2.81% 2.96% 2.87% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 NSCI Margin QTR (%) Group Group, excl Int'l 6.12% 6.00% 5.68% 5.91% 5.92% 3.52% 3.36% 3.06% 3.09% 3.19% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Group Commission Yield & Funding Cost QTR (%) Commission yield CoF 7,113 7,520 7,656 192 374 391 7,304 7,894 8,048 +10% +2% QoQ 3Q 25 2Q 26 3Q 26 NSCI (¥mn) NSCI Int'l | 3Q 2026 - Earnings Presentation
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268 130 771 665 (24) (45) (199) 3,763 3,098 3,228 3,999 -7% -6% +41% -24% +24% +6% +4% 9M 25 Int'l Group Ex Int’l Brokerage Inv. Mgt. Financing & cards Trade finance Other Group Ex Int’l Int'l 9M 26 Fee Income From Banking Services, Net Movement YoY (¥mn) Fee & other income decreased 6% YoY; pressured by lower investment-related income on market volatility; partially offset by growth in banking services fees, International and FX Fee & Other Income 1 Other includes Cash management, POS and Remittance income 18 1 1,002 972 1,145 268 270 274 1,269 1,243 1,419 +12% +14% QoQ 3Q 25 2Q 26 3Q 26 Fee Income From Banking Services, Net (¥mn) Group, excl. Int'l Int'l 2,461 2,377 2,050 380 311 268 2,841 2,689 2,318 -18% -14% QoQ 3Q 25 2Q 26 3Q 26 Fee & Other Income (¥mn) Group, excl. Int'l Int'l 130 77 1,017 919 (564) (194) 7,642 6,722 6,171 7,188 +4% +6% -16% +16% -6% -8% 9M 25 Int'l Group Ex Int’l Fee income from banking services FX Inv.-related Other expenses Group Ex Int’l Int'l 9M 26 Fee and Other Income Movement YoY (¥mn) | 3Q 2026 - Earnings Presentation
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25.2% 0.5% 0.6% -0.6% -0.5% 25.1% -3bps 9M 25 Domestic NOR Domestic OPEX Int'l NOR Int'l OPEX 9M 26 Cost to Income Ratio Movement YoY (%) 22 88 69 1,264 1,096 (22) 7,368 6,272 6,429 7,692 +1% -7% +10% +3% +4% +2% 9M 25 Int'l Group Ex Int’l Employee- related Premises Depreciation G&A Group Ex Int’l Int'l 9M 26 Total Operating Expenses Movement YoY (¥mn) OpEx increased +4% YoY while improving sequentially by 3% QoQ, reflecting ongoing optimization initiatives and continued cost discipline Operating Expenses 1 Operating expenses exclude amortization of intangibles of ﷼ 615mn in 9M 2026 and 9M 2025 1 1 1 Domestic: -6 bps Int’l: +3 bps 19 1 FY 2026 Guidance Group: Below 25% Domestic: Below 22.5% 1 25.2% 23.1% 26.9% 25.6% 25.1% 22.6% 20.3% 24.4% 23.1% 22.6% 9M 25 FY 25 1Q 26 1H 26 9M 26 Cost to Income Ratio YTD (%) Group Group, excl. Int'l 1,962 2,166 2,094 324 419 418 2,287 2,585 2,511 +10% -3% QoQ 3Q 25 2Q 26 3Q 26 Operating Expenses (¥mn) Group, excl. Int'l Int'l | 3Q 2026 - Earnings Presentation
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0.02% 0.15% -0.32% -0.09% 0.00% 0.00% 0.13% -0.36% -0.12% -0.03% 9M 25 FY 25 1Q 26 1H 26 9M 26 Cost of Risk YTD (%) Group Group, excl. Int'l 0.06% 0.02% -0.10% 0.02% 0.00% -2bps 9M 25 Retail Wholesale Int'l 9M 26 Cost of Risk Movement YoY (%) Cost of risk came in at 0 bps YTD, reflecting continued prudent credit risk management Financing Credit Impairments & Cost of Risk 1 CoR including POCI 20 1 Domestic: -4 bps Int’l: +2 bps FY 2026 Guidance 5 to 15 bps1 377 195 79 (590) 102 23 (190) 5 +201% +119% -95% -938% 9M 25 Int'l Group Ex Int’l Wholesale Retail Group Ex Int’l Int'l 9M 26 Impairment Charge for Financing and Advances Losses Movement YoY (¥mn) 209 204 244 31 56 78241 260 322 +34% +24% QoQ 3Q 25 2Q 26 3Q 26 Impairment Charge for Financing and Advances Losses YoY (¥mn) Group, excl. Int'l Int'l | 3Q 2026 - Earnings Presentation
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0.80% 0.68% 0.67% 0.67% 0.68% 0.78% 0.65% 0.63% 0.64% 0.65% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 NPL Ratio (%) Group Group, excl. Int'l 5,234278 74 925 (119) 5,001 6,159 +22% -3% +21% +5% NPLs 4Q 25 Retail Wholesale Int'l NPLs 3Q 26 POCI balance Impaired financing 3Q 26 Credit Impaired Financing Movement YTD (¥mn) Asset quality remained strong YTD, with continued low NPL ratios and healthy stage-wise coverage levels Credit Quality 1 Presented NPL Ratio excludes POCI (3Q 2026 NPL Ratio including POCI: 0.80%) 21 1 Domestic: +3% Int’l: +21% 0.27% 0.32% 0.26% 0.27% 0.26% 8.3% 5.1% 6.5% 7.9% 9.2% 78.4% 76.2% 78.6% 76.7% 77.7% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Coverage by Stage (%) Stage 1 Stage 2 Stage 3 4,648 4,633 4,807 354 381 428 5,001 5,014 5,234 +5% +4% QoQ 4Q 25 2Q 26 3Q 26 Non-Performing financing and advances (¥mn) Group, excl. Int'l Int'l | 3Q 2026 - Earnings Presentation
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82.8% 82.5% 80.1% 77.9% 83.6% 90.0% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 SAMA Loan-to-Deposit Ratio (%) SAMA LDR Regulatory ceiling Capitalization remained robust, 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% 112.3% 114.2% 116.5% 119.0% 114.5% 262.6% 285.1% 311.8% 243.7% 202.3% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Liquidity Ratios (%) NSFR LCR 20.8% 21.2% 21.9% 22.0% 21.1% 19.5% 19.8% 20.6% 20.6% 19.8% 17.6% 17.7% 17.9% 18.0% 17.3% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Capitalization Ratios (%) CAR Tier 1 ratio CET1 ratio 175.6 19.5 4.0 (13.8) (2.6) (0.9) 181.8 +3% 4Q 25 Net income Dividend payout OCI Net AT1 & T2 FX reserve & Other 3Q 26 Total Eligible Capital Movement YTD (¥bn) | 3Q 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 | 3Q 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| 3Q 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 3Q 2026 Earnings Call Replay SNB’s 3Q 2026 Earnings Call Replay Access SNB’s Sustainability Reports SNB Sustainability Reports Visit our website alahli.com | 3Q 2026 - Earnings Presentation