Investor Presentaiton

Strategy Driver Plan to Deliver Higher ROE 1 Enhanced NII + 2 Lower Cost of Risk + 3 SREI Together We Make Tomorrow Happen Optimized Cost Higher ROE Optimize Business Mix Proactive Risk Management Stressed Portfolio Recoveries Improved Cross Sell Organization-wide Clarity on Risk Appetite Digital Tools High Asset Finance Growth Reduced Cost of Fund Stressed Portfolio Operating Leverage Recoveries 33 33

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