2022 Performance and Synergy Realization

2023 Guidance tub 2022 2022 Targets Actual Loan growth (YoY) Approx. 2% +0.4% 2023 Targets Approx. 3% Deposit growth (YoY) Approx. 3% +4.5% In line with loan growth INCOME Stable Net Interest Margin 2.95% 3.0% - 3.1% (2.97% in 2021) Non-NII growth EFFICIENCY C/I Ratio 45% -47% 45% Low single digit growth Mid-40s % Stage 3 ≤ 3.2% 2.7% ≤ 2.9% ASSET QUALITY Credit cost (bps) 140-160 133 125 135 -> 25 45

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