Investor Presentaiton

Diversified loan book across sectors 50% in Personal consumer which is well performing Low relative exposure in high-risk sectors Tourism and Hotels <1% Manufacturing 2.6%. GÐ BANK FY2021 ■ FY2020 0.0% Mining & Quarrying 0.0% 0.8% Tourism, Restraurant & Hotels 0.8% 1.4% Agriculture 1.9% Building & construction 1.7% 2.0% Manufacturing 2.6% 2.3% Energy & Water 2.6% 3.9% 9.3% Real Estate 9.4% 9.6% Financial services Transport & Communication 10.4% 10.1% 9.9% 11.7% Trade 12.3% Personal consumer 47.0% 50.4% 39

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