Investor Presentaiton

Key ratios Profitability 2Q22 2Q21 1Q22 1H22 1H21 ROAA, annualised 4.5% 3.6% 4.1% 4.3% 3.1% ROAE, annualised 32.8% 29.4% 30.7% 31.8% 25.6% RB ROAE 31.4% 22.1% 18.0% 24.9% 21.5% CIB ROAE 30.3% 42.6% 63.5% 45.5% 33.6% Net interest margin, annualised 5.3% 4.7% 5.3% 5.3% 4.6% RB NIM 4.6% 4.1% 4.7% 4.7% 4.1% CIB NIM 5.4% 4.9% 5.4% 5.5% 4.6% Loan yield, annualised 11.4% 10.4% 11.1% 11.3% 10.4% RB Loan yield 12.3% 11.1% 11.9% 12.1% 11.1% CIB Loan yield 9.0% 8.5% 9.1% 9.1% 8.5% Liquid assets yield, annualised 4.4% 3.3% 4.3% 4.4% 3.2% Cost of funds, annualised 5.2% 4.5% 5.0% 5.1% 4.5% Cost of client deposits and notes, annualised 3.7% 3.5% 3.7% 3.7% 3.6% RB Cost of client deposits and notes 2.6% 2.6% 2.6% 2.6% 2.7% CIB Cost of client deposits and notes 6.2% 5.0% 6.3% 6.2% 5.3% Cost of amounts owed to credit institutions, annualised 9.4% 6.9% 8.2% 8.8% 6.6% Cost of debt securities issued 6.9% 7.0% 7.0% 6.9% 7.0% Operating leverage, y-o-y 15.6% 23.9% 1.5% 8.9% 15.7% Operating leverage, q-o-q 8.7% -3.1% 12.6% 0.0% 0.0% Efficiency Cost income RB Cost/income CIB Cost/income * For a description of Key Ratios, refer to slide 62 32.5% 36.4% 35.0% 33.6% 35.9% 36.6% 46.0% 41.9% 38.9% 43.9% 21.6% 15.9% 16.7% 19.2% 17.4% 59

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