Investor Presentaiton

Net interest margin – broadly stable going forward NET INTEREST MARGIN 5.3% 5.3% 5.0% 4.7% 4.5% LOAN YIELD, COST OF FUNDS, COST OF DEPOSITS 10.4% 10.4% 10.6% 11.0% 11.1% 5.0% 4.5% 4.5% 4.7% 4.8% 3.8% 3.5% 3.6% 3.5% 3.7% 1Q21 2Q21 3Q21 4Q21 1Q22 1Q21 2Q21 3Q21 Loan yield Cost of funds The y-o-y increase in NIM driven primarily by higher loan yield coupled with the successful deployment of some excess liquidity. 4Q21 1Q22 Cost of client deposits and notes. 31

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