Financial Analysis Presentation

Covid-19 readiness: Call center and non-voice capacity expansion to support incoming relief requests Incoming requests from impacted customers tub 1st wave (Full lockdown) ~14k call in Sep after partially ease business lockdown, reaching almost the lowest level since Dec❜20 ~300k call a month during peak period and dropped ~80k call a month during peak period by ~70% after peak 2nd wave (Partial lockdown) 3rd wave (Partial lockdown) Mar 2020 Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2021 Feb Mar Apr May Jun Jul Aug Sep % Loan under relief program to total loan -40% -20% -15% ~14% ~14% ~12% 7

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