#1The Commercial Bank (P.S.Q.C.) Financial Results For the year ended 31 December 2022 البنك التجاري COMMERCIAL BANK#2Forward Looking Statements This presentation and subsequent discussion may contain certain forward-looking statements with respect to certain plans and current goals and expectations of Commercial Bank and its associated companies relating to their future financial condition and performance. These forward-looking statements do not relate only to historical or current facts but also represent Commercial Bank's expectations and beliefs concerning future events. By their nature forward-looking statements involve known and unknown risks and uncertainty because they relate to future events and circumstances including a number of factors which are beyond Commercial Bank's control. As a result, Commercial Bank's actual future results or performance may differ materially from the plans, goals and expectations expressed or implied in such statements. Any forward-looking statements made by or on behalf of Commercial Bank speak only as of the date they are made. Commercial Bank does not undertake to update forward-looking statements to reflect any changes in Commercial Bank's expectations with regard thereto or any changes in events, conditions or circumstances on which any such statement is based. The information, statements and opinions contained in this presentation do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. 2 55#3ECONOMY AND FIVE YEAR PLAN TARGETS CONSOLIDATED HIGHLIGHTS AND PERFORMANCE SUBSIDIARY PERFORMANCE 3 55#4Qatar Outlook economy well positioned for 2023 and beyond Economy Policy Fiscal strength Embargo Ended, Rollout of Covid 19 vaccines Sector recovery World Cup Source: Standard Chartered Bank Economic Outlook 2023, Qatar News Agency . Qatar continues to be one of the world's largest LNG exporter. Economic activity should continue to be supported by investment related to the North Field gas expansion and robust growth in logistics, manufacturing, and trade. The North Field gas expansion plans to increase Qatar's LNG output to 110 million tonnes per annum (mtpa) by 2025 and thereafter to 126 mtpa by 2027. The FIFA World Cup Qatar 2022™ has been a major success for the country and region. More than 1.4 million people visited Qatar during the 29-day event. Qatar's GDP growth is projected at 4 percent in 2023, Standard Chartered said in a 2023 Economic Outlook report earlier this month. Qatar approved its budget for the 2023 fiscal year, with particular focus on health and education sectors. Moody's had raised the country's outlook from stable to positive, while Standard & Poor's had raised the country's credit rating from (AA-) to (AA) with a stable outlook The improvement in the country's credit rating confirms the strength and flexibility of the local economy, in addition to the financial stability witnessed by the country, which increases the country's attractiveness to foreign investments and contributes to reducing the cost of borrowing for the country and the institutions operating in it. 4 55#5Our progress to date and next five year plan targets Strategic intent CET1 Risk Management 2016 5 Year 2021 Targets 2021 Actual 5 Year 2026 Targets 2022 Actual 2023 Guidance CET1: 9.7% CAR: 15.2% 11.0% 11.5% 16.0% 16.5% 11.7% 18.1% 13.0% 14.0% 18.5% 19.0% 11.6% 12.2% 12.7% 17.3% 18.0% - 18.5% NPL: 5.0% 4.0% -4.5% COR: 1.6% 50 bps 4.7% 111bps 2.5% 60-80 bps 4.9% 121 bps 4.5% - 5.0% 120-135 bps Gov/public sector: 10% 16% 18% 25% 16% 15%-18% Reshape loan book Real estate : 28% 20% 19% 16% 20% 18%-20% Consolidated : 45.7% 35% 24.1% < 20% 21.6% < 21% Cost to Income Ratio* Domestic: 40.2% 30% 20.5% < 17% 19.2% < 19% Return on Equity (ROE) ROE: 2.7% 10% 10% 13% - 15% 11.3% 12.5% 13.0% *normalized 5 55#6ECONOMY AND FIVE YEAR PLAN TARGETS CONSOLIDATED HIGHLIGHTS AND PERFORMANCE SUBSIDIARY PERFORMANCE 6 55#7Executive summary Strategic Focus Results Progress • . • Net profit of QAR 2,811.1 million, up by 22.0% compared to the same period in 2021. Normalized operating income of QAR 5,298.4 million, up by 11.0% (+3.8% on reported basis). NIMs increased to 2.8% from 2.7% in 2021. Operating profit of QAR 4,155.9 million, up by 14.8% as compared to the same period in 2021. The Group reported a non-cash "net monetary loss" of QAR 189.4 million as a result of application of hyperinflation accounting to Alternatifbank in accordance with International Accounting Standards (IAS) 29. . Total assets of QAR 169.1 billion, up by 2.2%. • Capital & Funding Reshaping CET1 at 11.6% as of 31 December 2022 compared to 11.7% as of 31 December 2021. The reduction from 31 December 2021 is mainly due to negative fair value reserve by QAR 0.8 billion. Low cost deposits have increased by 6.4%, year-on-year. Consolidated loan book remained flat at QAR 98.0 billion. • Loan Book Focus remains on re-shaping profile of the lending book • ✓ Provisioning Costs • . The overall loan book was impacted by the government repayment of temporary overdraft, despite growth in private sector loans by 4.0%. Continued diversification of risk across a range of sectors including decreasing real estate exposure and increasing exposure to government and public sector. Non-performing loan (NPL) ratio at 4.9% at 31 December 2022 from 4.7% at 31 December 2021. • Loan coverage ratio (including ECL) strengthened to 105.4% as compared to 97.4% in December 2021. • • • Subsidiary Net cost of risk increased to 121 bps compared to 111 bps in FY 2021 on account of continued prudent provisioning on NPL customers. Normalized consolidated cost to income ratio decreased to 21.6% (reported 21.5%) in FY 2022 from 24.1% (reported 29.0%) in FY 2021 and in Qatar, cost to income ratio decreased to 19.2% (reported 19.1%) in FY 2022 from 20.5% (reported 26.0%) in FY 2021. Alternatif Bank reported net profit of TL 123.1m (QAR 31.5m) in FY 2022 compared to a net profit of TL 76.5m (QAR 23.7m). The results for 2022 are impacted by the hyperinflation accounting. The net monetary losses due to hyperinflation is QAR 189.4 million. Normalized numbers exclude the impact of fully hedged staff performance rights scheme. Due to accounting requirements, it results in a gross up of operating income and operating cost lines, so accordingly, the impact is removed to show the underlying trend of the results. 7 55#8Financial Progress QAR million Normalized Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Variance Variance FY 2021 FY 2022 FY 2021 FY 2022 Q4 2022 v FY 2022 v Q3 2022 FY 2021 Normalized Reported Operating Income 1,281 1,216 1,336 1,269 1,477 16.4% 4,771 5,298 11.0% 5,101 5,294 Costs -284 -274 -302 -286 -280 2.1% -1,150 -1,142 0.7% -1,480 -1,138 Operating Profit 997 942 1,033 983 1,197 21.8% 3,621 4,156 14.8% 3,621 4,156 Net Provisions* -559 -276 -253 -217 -518 -139.0% -1,147 -1,263 -10.2% -1,147 -1,263 Share of Associates & Impairment -258 47 60 60 56 -5.8% -162 222 237.4% -162 222 Non-Cash Net Monetary Loss -69 -29 -91 -209.9% -189 -100% -189 Tax -8 -11 -41 -28 -35 -24.6% -9 -114 -1228.8% -9 -114 Net Profit 172 702 730 769 610 -20.7% 2,304 2,811 22.0% 2,304 2,811 Lending Volume 98,003 98,366 101,240 98,431 98,016 -0.4% 98,003 98,016 0.0% 98,003 98,016 Deposit Volume 81,958 84,547 89,331 86,233 83,167 -3.6% 81,958 83,167 1.5% 81,958 83,167 NIM 2.7% 2.8% 2.8% 2.8% 2.9% 0.1% 2.7% 2.8% 0.1% 2.7% 2.8% C/I Ratio 22.2% 22.5% 22.6% 22.5% 19.0% 3.5% 24.1% 21.6% 2.5% 29.0% 21.5% COR (bps) - net 206 96 105 80 191 -111 111 121 -10 111 121 NPL Ratio 4.7% 4.6% 4.5% 4.5% 4.9% -0.4% 4.7% 4.9% -0.2% 4.7% 4.9% Coverage Ratio* 97.4% 100.2% 103.2% 107.6% 105.4% -2.2% 97.4% 105.4% 8.0% 97.4% 105.4% CET 1 11.7% 12.2% 11.7% 11.3% 11.6% 0.3% 11.7% 11.6% -0.1% 11.7% 11.6% Tier 1 16.0% 16.4% 15.7% 15.2% 15.6% 0.4% 16.0% 15.6% -0.4% 16.0% 15.6% CAR 18.1% 18.1% 17.5% 17.0% 17.3% 0.3% 18.1% 17.3% -0.8% 18.1% 17.3% 1. 2. 3. Normalised is after removing the impact of IFRS 2 from costs and derivative income from operating income to show underlying business trend (see slide 12). The entire one-time adjustment of Net Monetary Loss for H1 2022 has been reported under Q2 2022 to show underlying trend, hence Q1 2022 continues to be reported as earlier. Cost of risk includes net provision charge on loans and NPLs (including net provision charge on off-balance sheet items). *includes ECL 8 00 55#9Group Financial Performance - For the year ended 31 December 2022 Group Profitability (Normalized) Consolidated Balance Sheet QAR Million FY 2022 FY 2021 % QAR Million FY 2022 FY 2021 % Net interest income 4,106 3,702 10.9% Total assets 169,121 165,464 2.2% Non-interest income 1,192 1,069 11.4% Loans & advances 98,016 98,003 0.0% Total costs (1,143) (1,150) -0.7% Investment Securities 29,835 26,723 11.6% Net provisions (1,263) (1,147) 10.2% Customer Deposits 83,167 81,958 1.5% Share of associates and 222 (162) 237.4% impairment Total equity 25,519 24,073 6.0% Non-cash net monetary loss (189) -100.0% Tax (114) (8) -1,228.8% Net profit 2,811 2,304 22.0% Performance Ratios ROAE ROAA NIM Capital FY 2022 FY 2021 FY 2022 FY 2021 RWA (QAR million) 125,475 115,917 11.3% 10.0% Tier 1 ratio (Basel III) 15.6% 16.0% 1.7% 1.4% Total Capital ratio (Basel III) 17.3% 18.1% 2.8% 2.7% 9 55#10Leader in Digital Innovation Driving Customer Experience and Cost Benefits EUROMONY INTERNATIONAL FINANCE FINANCE INTERNATIONAL FINANCE TIONAL FINANCE ...... The Banker EUROMONEY DOMESTIC SERVING BUSINESS GRA NANCE Year 20 BANK, K AWAR OGRANCE TOP 2022 MARKET LEADERS GITAL BANK GLONANCE GARANCE GARANCE The Commoneal mi Men Cole DIGARD GIORANCE IPSQLY BEST BANK AWARD 2022 GARAKCE B Corporate • . Best Cash Management Bank (2016 - 2021) from The Asian Banker Best Transaction Bank in Qatar (2018-2021) from The Asian Banker • Best Online Cash Management (2019, 2020) from Global Finance • Best Trade Finance Service (2019 - 22) from Global Finance • Best Mobile Banking App (2021-22) from Global Finance . Best Bank for Corporate Banking in Qatar from Euromoney (2022) • Best Integrated Corporate Banking Site from Global Finance (2022) • Market Leader in Qatar in Corporate Banking from Euromoney Digital Rankings (2022) • Best Leading Corporate for Investor Relations in Qatar from MEIRA Annual Conference & Awards (2022) Retail • The "Serving Business Owners" in Private Banking and Wealth Management in Qatar from Euromoney (2021-22) Best Retail Bank in Qatar (2017-2020) from The Asian Banker • Best Consumer Digital Bank from Global Finance (2020) • Best Online Product Offering from Global Finance (2020) • Best Mobile Banking App from Global Finance (2021) EUROMONEY 2012 FINANCE P PROVI • Investor rulations Best in Social Media Marketing and Services from Global Finance (2021-22) DE FINANC IR AWARDS WINNER • Best Online Deposit, Card and Investment Product Offerings from Global Finance (2022) 20225 • Best User Experience (UX) Design from Global Finance (2022) GONAKCE GRACE • Best Open Banking APIs from Global Finance (2022) • • Best in Social Media Marketing and Consumer Services in the world from Global Finance (2021-22) Market Leader in Qatar in Digitals Solutions from Euromoney Digital Rankings (2022) Innovation . . • The Most Outstanding Innovation in Fraud Detection award in the world from Global Finance (2022) Most Innovative Customer Service Bank from International Finance Magazine (2021-22) Most Innovate Mobile Trading App from International Finance (2021-2022) • Best Bank in Qatar from Global Finance (2019, 2021-22) • Best Bank in Qatar from Euromoney (2021) • Best in Social Media Engagement in the Middle East from The Asian Banker (2021) . Bank of the Year in Qatar from The Banker (2022) 55 10#11Earnings Performance - For the year ended 31 December 2022 Profitability Net interest income up by 10.9% to QAR 4,106.0m in FY 2022 v FY 2021. Net interest margin 2.8% 2.7% 2.4% 2.3% NIM increased to 2.8% in FY 2022 vs 2.7% in FY 2021 as we improve our funding base and reprice the assets. 2.1% Normalized non-interest income up 11.4% to QAR 1,192.4m (-15.1% to QAR 1,188.0m on reported basis) in FY 2022 v FY 2021. Normalized net fee income and other income increased by QAR 288.7 million mainly due to higher FX and trading income. Net income from investment activities decreased by QAR 166.2m due to unrealized mark to market movement in investments. 2018 2019* 2020* 2021* 2022 Net interest income as a % of average interest earning assets, including (i) Loans and advances to customers (ii) bonds and (iii) loans to other credit institutions Operating Profit 4,156 3,621 3,141 2,753 2,335 2018 2019* 2020 2021 2022 *Normalized 11 55#12Continuous income growth further improves cost income ratio with a best in class employee share option scheme Operating Expenses Normalised cost to income ratio improved to 21.6% (actual reported 21.5%) in FY 2022 from 24.1% (actual reported 29.0%) in FY 2021 mainly on account of growth in operating income by QAR 526.9m on normalized basis. Continued focus on digital processes and tight expense management. In Qatar, normalised cost to income ratio improved to 19.2% (actual reported 19.1%) in FY 2022 from 20.5% (actual reported 26.0%) in FY 2021. Employee Share option scheme The Bank introduced employee share option scheme in 2017 and has granted performance rights to employees including senior management. It has proved to be a successful retention scheme. The scheme has malice and claw back clauses. Performance rights are settled in cash. Based on IFRS 2, we account for the movement in share price under staff costs. Staff costs include a cost reversal of QAR 4.4m compared to a charge of QAR 329.3m in FY 2021 with respect to performance rights. This is hedged and hence no impact to P&L. CB share price has moved to QAR 5.00 as at 31 December 2022 from QAR 6.75 as at 31 December 2021. Cost to Income Ratio Consolidated 33.4% 28.7% 26.0% 24.1% 21.6% 2018 2019* 2020* 2021* 2022* Cost to Income Ratio Domestic 28.5% 25.5% 22.0% 20.5% 19.2% 2019* 2020* 2021* 2022* *Represents Normalized C/I ratio 2018 12 55#13Improved loan book structure Summary Loans to customers remained flat at QAR 98.0 billion. Reduction mainly in government and public sector due to repayment of the temporary overdraft by the Government. Private sector loans grew by 4.0% year-on-year. Focus continues on diversifying loans and improving market share in Government and Public sector. Loan book breakdown by division - December 2022 Retail 10% Corporate 90% Qatari banks credit facilities breakdown by sector - November 2022 Loan book breakdown by sector - December 2022 Industry, 2% Other, 0% Outside Qatar, 4% Sector FY 2022 FY 2021 Consumption, 14% Govt and Public Sector Industry 16% 18% 8% 8% Real Estate, 14% Commercial 17% 17% Gov. & Semi-. Services 27% 28% Gov. Agencies, 30% Contracting 4% 4% Real Estate 20% 19% Contracting, 3% Services, 19% Consumption 6% 4% Others* 2% 2% Commercial, 14% Source: QCB 100% 100% *Others include non-banking financial institutions 13 13 55#14Asset Quality - 31 December 2022: Continued Prudent Approach on Provisioning Summary Loan coverage ratio Net provision charge for loans and NPLs of QAR 1,184.7m vs QAR 1,104.5m in FY 2021. QAR 1,092.8m for Corporate QAR 94.6m for Retail (QAR 2.7m) for Alternatifbank NPL ratio increased to 4.9% as at 31 December 2022 from 4.7% as at 31 December 2021. Cost of Risk - net increased to 121 bps in FY 2022 Vs 111 bps in FY 2021. Loan coverage strengthened to 105.4% from 97.4% in December 2021. Risk reserve maintained at 2.5% of total loans and advances in addition to credit impairment losses and interest is suspense. Risk reserve stands at QAR 2.3 billion in December 2022. 34.5% 35.1% 34.9% 20.8% 20.5% 58.1% 61.3% 66.5% 70.9% 62.5% 2018 2019 2020 I Provision coverage ECL coverage 2021 2022 Non-performing loan ('NPL') ratio (90 day basis) Net Provision Charge for Loans and NPLs (QAR million) 5.6% 1.36% 1.36% 1.43% 1.29% 4.9% 4.7% 4.9% 4.3% 0.94% 1.07% 1.11% 1.21% 0.95% 0.68% 2,825 1,185 1,105 2,295 3,257 3,126 2,635 927 2018 594 2019 836 725 726 546 713 483 591 845 839 983 1,146 1,069 944 2018 2020 2021 2022 Cost of Risk (%) - net Cost of Risk (%) - gross 2019 Retail UHNW SME 2020 2021 Corporate 2022 Gross NPLs / Gross Loans 14 44 55#15Funding: Continue to build up diverse sources of funding Summary Customers' deposits at QAR 83.2 bn, up by 1.5% vs December 2021 representing 49.2% of the total balance sheet. Well diversified funding mix Total equity represents 15.1% of funding mix. The average remaining tenor of bond issuances and syndicated loans/borrowings is over 2 years. Total funding mix – 31 December 2022 ■Customers' Deposits Total Shareholders' Equity Due to Banks and Financial Institutions - Debt Securities & Other borrowings Other Liabilities 6% 16% 49% 14% 15% Debt issued and other borrowed funds Commercial Bank credit ratings Issuance Type (QARM) Dec-22 Dec-21 Rating Foreign Ccy Deposits/IDR Subordinated Notes 731 720 Agency Bank Strength Outlook Date LT ST EMTN 9,872 10,518 Fitch A- F2 bb+ Stable Senior Notes 112 231 Sep 22 Other loans (including CPs) 15,941 19,536 Moody's A2 P-1 ba1 Stable Nov 22 Total 26,656 31,005 S&P A- A-2 bbb- Stable Nov 22 15 45 55#16Well diversified deposit portfolio Summary Diversified deposit mix with Government and Semi-Government at 28%, corporate at 30% and individuals at 28% Current and Savings accounts deposit composition at 39% of the deposit base. The mix of Qatar non resident deposit is 14%. Qatari banks deposits breakdown by sector - November 2022 Source: QCB Gov. & Semi- Gov. Agencies, Corporate, 25% 34% Non Resident, Individuals, 23% 18% Customer deposits (QAR million) ■Time Deposits ■Savings Deposits ■Demand & Call Deposits 83,167 81,958 76,297 75,790 71,786 61% 69% 61% 63% 71% 7% 8% 7% 6% 6% 23% 25% 31% 30% 32% 2018 2019 2020 2021 2022 Deposits by customer type - December 2022 Gov. & Semi- Gov. Agencies 28% Corporate 30% Non resident deposits 14% Individuals 28% 16 55#17Investment Portfolio - 31 December 2022: High asset quality with 76.0% of the portfolio invested in HQLA Government Bonds Summary Investment portfolio up 11.6% to QAR 29.8 bn vs December 2021. Investments in highly rated Sovereign Bonds provides stability to the portfolio and makes it less volatile. 76.0% Government Bonds 80.0% AAA+ to A- rated securities. Investment portfolio by credit rating Investment portfolio - 31 December 2022 vs 31 December 2021 Other debt sec I I 18.3% Investment Funds 0.1% Equities 5.6% Investment Funds 0.1% Government Bonds 76.0% December 2022 Other debt sec 19.3% Equities 1.7% Investment portfolio evolution (QAR million) Government Bonds 78.9% December 2021 Credit Rating Portfolio Weight 18% 18% 16% 17% 16% AAA+ to A- 80% BBB+ to BB- 6% 29,835 26,844 B+ to B- 6% 25,778 26,723 22,206 Unrated 8% 2018 2019 Investment securities 2020 2021 2022 % of Total Assets 17 55#18Capitalization Levels - 31 December 2022 Summary Total equity at QAR 25.5 bn up by QAR 1.4 bn from Dec 2021 due to: Increase in retained earnings by QAR 1.6 bn on account of profits in FY 2022 adjusted by the dividends payment of 2021 and transfer to risk reserve of QAR 143.1 mn. Decrease in fair value reserve by QAR 0.8 bn Capital Adequacy Ratio at 17.3% (Basel III) Dividend distribution per share (QAR) 0.15 0.2 0.25 0.16 0.1 2018 2019 2020 2021 2022 2018 Total equity (QAR million) 19,856 ■Reserves AT1 ■ Equity 24,073 25,519 21,756 22,170 59% 61% 63% 64% 60% 20% 18% 18% 24% 23% 20% 19% 18% 17% 16% 2018 2019 2020 2021 2022 Capital Adequacy Ratio (Basel III) ratio 14% 10.5% 15.5% 14.0% Min ratios: CET1 9% Tier1 11%, Total Capital CET1 ■Tier1 ■Total Capital ratio 11.1% 16.4% 14.4% 2019 2020 12.2% 15.7% 17.8% 2021 11.7% 16.0% 18.1% 2022 11.6% 15.6% 17.3% 18 55#19Commercial Bank Financial Performance - Full year 31 December 2022 (Parent Bank) Profitability Balance Sheet QAR Million FY 2022 FY 2021 % QAR Million FY 2022 FY 2021 % Net interest income 3,672 3,462 6.1% Total assets 160,107 153,107 4.6% Non-interest income Loans & advances 91,144 90,022 1.2% 966 1,224 -21.0% Investment Securities 27,656 24,370 13.5% Total costs (864) (1,199) 27.9% Customer Deposits 77,632 75,570 2.7% Net provisions & (1,227) (1,323) 7.3% impairment Total equity 26,332 23,520 12.0% Net profit 2,547 2,164 17.7% Performance Ratios Capital FY 2022 FY 2021 FY 2022 FY 2021 ROAA 1.6% 1.5% RWA (QAR million) 111,697 100,938 NIM 2.8% 2.8% Tier 1 ratio 15.0% 16.2% Cost income ratio 18.6% 25.6% Total Capital ratio 16.1% 17.3% 19 19 55#20Commercial Bank is committed to enhancing its Environmental, Social and Governance practices Selected ESG highlights • Sustainability Report published, aligned with the Global Reporting Initiative (GRI) Standards • Signatory to UN Global Compact. Material sustainability topics under sustainability strategy align with the UN Sustainable Development Goals Formalised Sustainability Governance: Management-level Sustainability Committee established in 2021 with Board-level oversight ESG risk assessment criteria on lending and investment • • Remuneration linked to sustainable performance First bank in Qatar to introduce deferred bonuses for Executive Management with provisions for malus and clawback Mandatory bonus deferrals for Executive Management in performance rights بورصة قطر Qatar Stock Exchange Participant in QSE's voluntary ESG disclosure initiative 55 20 20#21ECONOMY AND FIVE YEAR PLAN TARGETS CONSOLIDATED HIGHLIGHTS AND PERFORMANCE SUBSIDIARY PERFORMANCE 21 24 55#22Alternatifbank Results - Full year ended 31 December 2022 Alternatifbank of Turkey Net profit after tax and hyperinflation at TL 123m v TL 77m in FY 2021 The results for 2022 are impacted by the hyperinflation accounting. The net monetary losses due to hyperinflation is TL 933m Operating income up by TL 1,671m v FY 2021 Operating expenses up by TL 376m v FY 2021 Net provisions decreased by TL 195m v FY 2021 Loan book up by 28.0% to TL 36.4bn v FY 2021 Customer deposits up by 21.6% to TL 31.7m v FY 2021 Profitability TL million FY 2022* FY 2021 Operating Income 2,547 876 Total Operating Expenses (844) (468) Net Provisions (112) (307) Profit Before Tax 1,591 101 Taxes (535) (24) Net monetary losses (933) Net Profit 123 77 Balance Sheet TL million FY 2022 FY 2021 Assets Cash and Balances with Cetral Bank 6,935 7,459 Net Profit (TL million) Due from banks 2,911 3,428 Loans and advances 36,379 28,411 Investment securities 11,201 8,715 155 117 All other assets 3,991 2,976 123 Total Assets 61,417 50,989 106 77 Liabilities & Equity Due to banks 3,348 2,682 Customer deposits 31,711 26,070 Other borrowed funds 18,595 16,938 2018 2019 2020 2021 2022* Other liabilities 2,726 2,674 Shareholders Equity 5,037 2,625 *FY 2022 figures represents IAS29 (Hyperinflationary Accounting) adjusted financials and not comparable with FY 21 due to no implementation." Total Liabilities and Equity 61,417 50,989 22 22 55#23Q&A 23 55