Investor Presentaiton

STRONG UNDERLYING PERFORMANCE AMID COVID-19 IMPACT OPERATING INCOME | QUARTERLY +6.1% NET NON-INTEREST INCOME | QUARTERLY +12.7% 20 20 -11.2% -24.3% 309.3 102.2 274.5 68.7 77.4 258.7 18.4 102.2 33% 3.5 6.6 37.2 68.7 27% 77.4 28% 23.0 30.7 42.2 46.6 40.1 190.0 73% 207.1 67% 197.1 72% 1Q19 4Q19 1Q20 1Q19 4Q19 1Q20 Net other income Net foreign currency gain Net interest income ■Net non-interest income Net fee and commission income OPERATING EXPENSES* | QUARTERLY +15.3% COST/INCOME* | QUARTERLY Operating Leverage*: -9.2% y-o-y +1.5% q-o-q 23.8 -12.8% 91.9 1.1 1215 106.0 1.1 21.4 27.0 61.5 4Q19 56.5 1Q20 25.7 52.4 1Q19 Other operating expenses Administrative expenses 35.1 Depreciation, amortisation and impairment Salaries and other employee benefits 39.3% 35.5% 1Q19 * The 1Q19 operating expenses, cost to income ratio and operating leverage are adjusted for one-off costs. Please see details on one-offs on page 75 38.6% 4Q19 1Q20

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