Investor Presentaiton

Portfolio Trends - Sector NPL 0% Mining & Quarrying 0% Energy & Water 0% 0% 5% Personal consumer 6% 7% Financial services 11% Transport & Communication 10% 20% 15% Agriculture Tourism, Restraurant & Hotels Building & construction Trade Real Estate Manufacturing 46% 22% 24% 28% 36% 33% 26% FY2021 ■ FY2020 50% 56% Sector is 50% of our loan book Sector is 12% of our loan book Sector is 9% of our loan book 53% Sector is 2.6% of our loan book 74% GÐ BANK 42

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