Commercial Bank Financial Performance Report Q1 2022

Our progress to date and next five year plan targets Strategic intent CET1 Risk Management 2016 2017-21-5 Year Plan Targets 2021 2022-26 Plan Targets 2022 Guidance CET1: 9.7% CAR : 15.2% 11.0% 11.5% 16.0% 16.5% 11.7% 13.0% 14.0% 11.7% 12.2% 18.1% 18.5% 19.0% 18.0% 18.5% NPL: 5.0% 4.0% - 4.5% COR: 1.6% 50 bps 4.7% 111bps 2.5% 60-80 bps 4.0% -4.5% 100-110 bps Reshape loan book Gov/public sector: 10% 16% 18% Real estate : 28% 20% 19% 25% 16% 19% 18% Cost to Income Ratio Consolidated : 45.7% 35% Domestic: 40.2% 30% 24.1% 20.5% < 20% < 17% < 23% < 20.5% Return on Equity (ROE) ROE: 2.7% 10% 10% 13% - 15% 11.5% 12.5% 5 55

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