RAKBANK Investor Presentation - Q3/YTD Sep'2022

RAKBANK Investor Presentation - Q3/ YTD Sep'2022 Profitability Annualized Returns 14.9% 13.5% RAKBANK Simply Better Net Interest Margin 8 ROE (Q) ROA (Q) 16.2% 14.8% 5.5% 5.1% 4.6% 4.2% 4.2% 4.1% 4.3% 4.0% 3.9% 3.9% 11.3% 10.7% 9.8% 10.5% 6.5% 5.9% 1.8% 2.0% 0.9% 0.9% 1.5% 1.7% 1.6% 1.6% 2.1% 2.3% FY'18 FY'19 FY'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Cost-to-Income Ratio 51.2% 46.8% 43.6% 41.2% 41.3% 38.9% 39.5% 39.2% 45.1% FY'18 FY'19 FY'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Notes 40.7% ROE and ROA reflecting robust recovery and are above pre pandemic levels at 16.2% & 2.3% respectively for Q3'22 (annualized) The Cost to Income ratio for Q3'22 at 40.7% beginning to normalize post a spike in Q1'22 largely due to the exceptional losses in the Trading book leading to lower income FY'18 FY'19 FY'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Ratios for Mar 21 onwards here are quarterly ratios that are annualized.

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