Retail Banking Financial Update

PRODUCTS OFFLOADING TO DIGITAL CHANNELS • CARDS THOUSANDS • LOANS THOUSANDS DEPOSITS THOUSANDS 100% 12 9.8 25% 20 90% 10 15.9 8.3 8.4 15.8 80% 10 8.9 14.8 20% 14.2 14.2 8.6 8.5 7.3 70% 15 13.2 8 8 12.1 12.3 11.6 60% 6 5.3 4.5 15% 10 10% 10.4 9.7 50% 6 40% 6.6 4 30% 4 5 5% 2 0.7 0.6 0.4 0.2 1.1 0% о сл O Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-20 Number of cards activated Offloading rate Feb-20 Mar-20 Number of loans issued Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 20% 2 10% 0% O Nov-20 Dec-20 Offloading rate 11.0 10.4 9.9 9.3 9.4 17 12.2 60% 10.7 11.0 10.4 50% Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Number of deposits opened 40% 30% 20% 10% 0% Offloading rate

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