Digital Banking and Financial Performance Review

Key Performance Ratios - Group Net Interest Margin Cost to Income Ratio Capital Adequacy Ratio December 31, 2021 December 31, 2022 6.74% 6.68% 42.28% 48.03% 23.80%* 24.08% 38.26%* 49.93% Liquidity Ratio Loans to Deposits and Borrowings 42.08%* Return on Equity 26.10% Return on Assets NPL to Total Loans Cost of Risk Coverage (with Reg. Risk Reserve) 150.40%* * FY 2022 4.27% 39.81% 23.61%** 3.60%** 6.04%* 5.19% 0.47%* ** Pre-tax profit expressed due to impact of Finance Act and expiration of CIT Exemption Order 2011 on tax 0.62% 175.50% 13

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