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Investor Presentaiton

WELL MANAGED PEAK TO TROUGH ASSET QUALITY Minimal Historical Impact of Inflation on Micro Asset Quality 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 2.2% Inflation vs Asset Quality vs Credit Cost 6.0% 5.0% 4.0% 3.5% 3.02% 3.0% 2.55% 2.44% 2.0% 1.0% 0.0% 0.0% FY06 FY07 FY08 FY09 FY10 FY11 FY12 Inflation Lagged T-1 (LHS) FY13 FY14 Credit Cost FY15 FY16 FY17 BRI Total NPL FY18 FY19 FY20 FY21 FY22 1Q'23 BRI Micro NPL + Write Off Note: all numbers are bank only, unless stated as consolidated 58 58 BRI

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