Annual Report 2022 - The Beginning of a Journey of Transformation

FINANCIAL SNAPSHOT Net Interest Margin (%) 3 Cost/Income Ratio (%) Return on Average Equity (%) 55 50 48.1 46.6 47.2 48.0 46.1 12 15 12 2.4 2.3 2.3 2.3 45 2.1 40 35 30 25 20 15 10 5 -12 96 303697 6.2 5.0 5.4 4.1 -9 -13.9 2020 2021 2022 YTD 2022 YTD 2023 I 2020 2021 2022 YTD 2022 YTD 2023 I 2020 2021 2022 YTD 2022 YTD 2023 Tier 1 Ratio (%) Total Capital Adequacy Ratio (%) 21 21 18.3 18 18 17.3 16.1 15.8 15.6 16.0 14.7 15 13.3 13.6 15 12.4 12 12 9 6 6 6 3 3 0 0 2020 2021 2022 YTD 2022 YTD 2023 1 2020 2021 2022 YTD 2022 YTD 2023 L = 11

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