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3Q 2022 Results Presentation

Asset Quality Trends (1) | Asset quality remains healthy and NPL coverage remains strong. Movement in NPL (SARmn) 114 3,010 +3.6% 3,118 (6) 4Q 21 Retail Non-Retail 3Q 22 NPL Ratio (%) 1.89% 1.66% 1.66% 1.37% 1.10% 0.67% 0.65% 0.62% 0.57% 0.55% NPL Formation (SARmn) +3.6% 3,522 3,118 3,010 (3,413) 4Q 21 Write off Netflow 3Q 22 NPL coverage ratio (%) 307.5% 305.6% 307.8% 293.0% 272.3% 0.38% 0.40% 0.36% 0.35% 0.38% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 Retail Non-Retail Group 3Q 2022 Results Presentation 12 8

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