Investor Presentaiton

Commercial Banking Group Driving sustainable growth and profitability Key financial highlights & performance ratios Appendix H1 20 H1 21 y-o-y Statement of Financial Position Nbn FY 20 H1 21 y-o-y Gross earnings 278.7 273.9 -1.7% Loans and advances 2,220.5 2,528.8 13.9% Operating income Impairment charge 198.9 211.8 6.5% 30.5 23.6 -22.6% Deposits from customers 4,715.0 4,877.2 3.4% Net interest income 126.1 102.4 -18.8% Shareholders fund 705.3 729.2 3.4% Non-interest icnome Operating expense 72.8 109.3 50.1% 132.1 145.3 10.0% Total assets 7,367.5 7,689.4 4.4% Profit before tax Profit after tax 36.4 42.9 17.9% 32.6 37.4 14.7% • • Strong performance despite a challenging operating environment with 17.9% y-o-y profit before tax Enhanced earnings have been driven by 50.1% y-o-y growth in non-interest income and 22.6% decline in impairment charge Electronic banking have continued to boost non- interest income growing 32.7% y-o-y and now contributing 44.9% (H1 21: 41.9%) In line with our strategic focus on improving asset quality, NPL ratio has continued to decline from 7.6% in FY 20 to 7.2%, further strengthening the balance sheet Focus is on driving quality asset creation and optimising pricing Contribution from our international subsidiaries continues to improve, now 28.9% from 8.5% in the prior period Going into the second half of 2021, the expectation is to fully harness the returns from the strong and quality risk assets portfolio created in the first half of the year, taking advantage of the uptick in interest rates Income statement Nbn Return On Average Equity (%) Cost To Income (%) Non-performing Loan Ratio (%) 10.4 10.4 66.4 68.6 7.6 7.2 H1 20 H1 21 H1 20 H1 21 FY 20 H1 21 21

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