1H-23 Group Financial Performance Presentation

Credit quality Impairment expenses increased by K98.8m off a low 1H-22 base, due to post COVID-19 provision releases in 2022. 1H-23 impairment expense as a percentage of gross loans, is broadly in-line with historic levels. 10 YEAR TREND-IMPAIRMENT EXPENSE TO GROSS LOANS [%] 0.46% 0.49% 0.37% 0.37% 0.28% 0.28% 0.80% 0.44% -0.14% 0.50% 1H-14 1H-15 1H-16 1H-17 1H-18 1H-19 1H-20 1H-21 1H-22 1H-23 !!!BSP IMPAIRMENT EXPENSE [km] 62.6 +K98.8m 78.6 A$32m 1H-21 (20.2) 1H-22 1H-23 INVESTOR PRESENTATION 1H-23 8

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