Financial Analysis and Currency Deposits

Leverage leading Digital Capabilities to serve customers and the economy Digital Transactions ratio Jul 20191 Jul 20211 Jul 2022 73.7% 87.3% 93.0% Digitally Engaged Customers Jul 2019 Jul 2021 Jul 2022 66.9% 77.4% 79.9% ☐ Average mobile logins per month Jul 2019 13.3x Jul 2021 Jul 2022 19.1x 21.7x Active users of Internet and/or Mobile Banking Jul 20192 Jul 20212 Jul 2022 272k 348k 399k 1) Comparative figures have been revised in order to include data for the transactions of "Payroll & Group Transfers" through 1Bank. 2) Comparative figures have been revised in order to include active users for business subscribers . • Leader in shaping the digital transformation of local economy JINIUS FE Calendar Spend Demographic Time Rate Portal Login Bank Branches ATM Business partners Social J! Financial Health Real Estate Connectivity energy A Authorities Vision Introduction of the Digital Economy Platform to optimize processes within the economy and create new revenue sources over the medium- term Bringing stakeholders together Connecting businesses with each other and with consumers • Driving opportunities in lifestyle banking and beyond Launch of first set of services for digitizing business to business activities (eg: electronic invoicing, remittance management and payments) 25

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