Investor Presentaiton

140 COVID-19 pandemic 120 impact 100 80 60 40 42° 20 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Numbers of activated products * Mainly comprises cards, deposits and loans offloading to digital channels SIGNIFICANT UPSIDE IN PRODUCT OFFLOADING TO DIGITAL CHANNELS HAVING ACHIEVED HIGH TRANSACTIONS OFFLOADING RATE TO DIGITAL CHANNELS, OUR AIM NOW IS TO INCREASE PRODUCT OFFLOADING RATE PRODUCT OFFLOADING* THOUSANDS 13 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Offloading rate Oct-21 Nov-21 131.4 70% 60% 50% 40% 30% 20% 10% 0% Dec-21 Continuously developing our digital products and refining end-to-end digital journeys. The functionalities of our digital channels are updated every two to three weeks Redesigned digital consumer lending process launched at the end of June 2021 Redesigned deposit activation process launched at the end of 2021 c.30% Product c.36% offloading rate Dec-21 Planned product offloading rate by Jun-22

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