Investor Presentaiton

Definitions Appendix Cost-to-income ratio computed as operating expenses divided by operating income Cost of risk computed as annualised credit impairment charges divided by the average opening and closing gross loans balances Net-interest margin computed as annualised net interest income divided by the average opening and closing balances of interest earning assets excluding financial assets at fair value through profit & loss plus unlisted debts Operating income is defined as gross earnings less interest expense, fee and commission expense, insurance claims and share of profit/loss from associate Pre-provision operating profit computed as operating profit plus impairment charge Net revenue computed as operating income plus share of profit/loss from associates NPL coverage computed as loan loss provisions plus statutory credit reserves divided by non-performing loans Loans to deposits ratio computed as gross loans divided by total customer deposits Leverage ratio computed as total assets divided by total shareholders' funds Return on average equity computed as profit after tax (annualised) divided by the average opening and closing net asset balances attributable to its equity holders Return on average assets computed as profit after tax (annualised) divided by the average opening and closing balances of total assets 28

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