Commercial Bank Financial Performance

Our progress to date and next five year plan targets Strategic intent CET1 Risk Management 2016 5 Year 2021 Targets 2021 Actual 5 Year 2026 Targets 2022 Actual 2023 Guidance CET1: 9.7% CAR: 15.2% 11.0% 11.5% 16.0% 16.5% 11.7% 18.1% 13.0% 14.0% 18.5% 19.0% 11.6% 12.2% 12.7% 17.3% 18.0% - 18.5% NPL: 5.0% 4.0% -4.5% COR: 1.6% 50 bps 4.7% 111bps 2.5% 60-80 bps 4.9% 121 bps 4.5% - 5.0% 120-135 bps Gov/public sector: 10% 16% 18% 25% 16% 15%-18% Reshape loan book Real estate : 28% 20% 19% 16% 20% 18%-20% Consolidated : 45.7% 35% 24.1% < 20% 21.6% < 21% Cost to Income Ratio* Domestic: 40.2% 30% 20.5% < 17% 19.2% < 19% Return on Equity (ROE) ROE: 2.7% 10% 10% 13% - 15% 11.3% 12.5% 13.0% *normalized 5 55

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