Investor Presentaiton

Net interest margin – broadly stable going forward NET INTEREST MARGIN LOAN YIELD, COST OF FUNDS, COST OF DEPOSITS 10.4% 10.6% 11.0% 11.1% 11.4% 11.3% 10.4% 5.3% 5.3% 5.3% 5.3% 5.2% 5.0% 4.8% 5.0% 5.1% 4.5% 4.7% 4.5% 4.7% 4.6% 3.5% 3.6% 3.5% 3.7% 3.7% 3.6% 3.7% 2Q21 3Q21 4Q21 1Q22 2Q22 1H21 1H22 2Q21 3Q21 4Q21 1Q22 2Q22 1H21 1H22 The y-o-y increase in NIM driven primarily by higher loan yield coupled with the successful deployment of excess liquidity, partly offset by increased cost of funds Loan yield Cost of funds Cost of client deposits and notes 29

View entire presentation