Investor Presentaiton

Net interest margin recovery continued Change in net interest margin* (basis points) 423 1H20 (1) 6 0 1 7 18 441 1H21 Note: * average interest bearing assets; 10 | Pricing Loans 7 Mix Deposits 6 CO 6 (4) (2) 13 454 Pricing Mix Endowment Capital ** *** Hedge Other 1H22 *** group equity endowment; interest rate risk management

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