Legal Department Enhancements Process Automation: Deployed Safekeeping Automation (Phases 1 & 2) and advanced the automation of Supply Chain Agreements and Transfer of Obligation processes. Increased Flexibility: Granted Legal the ability to directly change SIDF signatories, reducing process bottlenecks. System Logic: Added functionality for including additional clauses on side letters.

Risk Department Enhancements Data & Workflow Accuracy: Corrected PFI approval workflows, fixed issues with incorrect loan amounts and commitment calculations, and resolved bugs where team member names were missing from approval flows. User Experience: Fixed UI bugs where loan details failed to update correctly and granted users access to upload documents in the condition app.

Milestone 2: Empowering Client Engagement (Wave 2 - RM & PM). Relationship Management (RM) Enhancements Improved Client Journey: Resolved issue preventing clients from submitting a new loan request while another is in pre-screening. Digitalisation: Progressed enhancements for the Commitment Letter and other letter applications, moving towards a more digital process. Core Functionality: Completed task transfer improvements.

Portfolio Management (PM) Enhancements Process Automation: Advanced the automation of the Transfer of Obligation process. Data Management: Implemented front-end fixes for the Repayment Schedule and enabled the addition of special conditions during amendments. No

Milestone 2: Optimising Core Operations (Wave 2 - LSD, MSD & PSD). Process Efficiency: Designed a new one-page 'CML Update Task' to reduce completion time and automated the reflection of terminated processes in the system. • Data Integrity: Corrected logic for rejection dates and repayment version reasons to ensure accuracy. Reducing Manual Work: Completed FMR (MSD) and FTR (PSD) Excel upload/download functionality, significantly cutting down on manual data entry. System Stability: Addressed task-locking issues (Tamkeen+ dual edit) to prevent data conflicts.

Current Focus: In Final Testing & Deployment. We are actively validating the next set of critical enhancements to ensure a seamless rollout. Key Items in UAT (User Acceptance Testing) 이 Commitment Letter Process & Template Revisit MCC (Management Credit Committee) Process Automation • Loan Review Mass Upload Key Items in Functional Testing . Automated Supply Chain Agreement Transfer of Obligation Process & Template Adding Special Conditions During Amendments Safety Report Enhancements

The Next Ascent: Top Priorities on Our Roadmap • RM/PM Commitment Letter Automation Digitising Supply Chain & Merger Agreements Loan Review Enhancements Digitising Transfer of Obligation LSD / Risk Editing Repayment Schedules in CRA MCC Automation Loss Reserve Enhancements FUF Cap Fixes • Legal Safekeeping Automation (Final Phases) 이 Separating Tasks for Securities Insurance Rejection Process • MSD / PSD FTR & Product Report PDF Generation Managing Departmental Access to InProgress Reports

Our Expedition Team: Acknowledging Our Champions. This progress is a direct result of the dedication and collaboration between our IT champions and business contributors. IT Champions . Mohammed Alibrahim Naif Al-Shalan Alaa Aljohani Norah Alqurayn Business Contributors RM/PM: Bandar Al-Sadhan, Faisal Alharthi, Abdullah Alosaimi, Ali Al-Enazy, Fawaz AL-Ghamdi LSD/RISK: Norah Albishi, Bandar Alhumaid, Mohammed Almaiman MSD/PSD / LEGAL: • Mohammed Al-Khazal, Fadhel Al-Eid, Adel AlZahrani, Nawaf Al-khalifi