Investor Presentaiton

27 MEASURING UP AGAINST OUR 2022 OUTLOOK 2022 full year target 2022 full year Actual Customer loan growth Above industry 27% Customer deposit growth Above industry 12% Return on Equity 18.1% 15.3% Non funded income 50.0% 41% Cost to income ratio 45.5% 46.7% NPL ratio 9.36% 9.07%

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