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Investor Presentaiton

Appendix Sectors particularly affected by Covid-19 At 31 December 2020 Oil and Gas⁹9 3% 8% 27% $23.0bn Aviation 101 4% Strategy Results Restaurants and leisure Retail CRR 1-3 CRR 4-6 CRR 7-8 Defaulted 3% $10.5bn 47% 62% 46% 8% 3% 30% $3.3bn 59% 2% 4% $25.4bn 48% 46% Drawn risk exposure 100 by region, Drawn risk exposure 100 by region, Drawn risk exposure 100 by region, Drawn risk exposure 100 by region, $bn $bn $bn $bn Asia 7.3 Asia 3.8 Asia 0.6 Asia 12.6 Europe 5.7 Europe 3.8 Europe 2.2 Europe 9.0 Middle East and North Africa 3.8 Middle East and North Africa 1.9 Middle East and North Africa 0.0 Middle East and North Africa 0.7 North America 4.5 North America 0.9 North America 0.5 North America 2.1 Latin America 1.6 Latin America 0.1 Latin America 0.0 Latin America 1.0 Total 23.0 Total 10.5 Total 3.3 Total 25.4 ◆ Slight improvement in book quality from 2020; higher percentage of CRR 1-3 CRR 1-6 broadly stable over 2H20; category excludes hotels ◆ Lower proportion of CRR 1-3 vs. 2020; >50% of exposures benefit from credit risk mitigation via collateral and guarantees Totals may not cast due to rounding CRR 1-6 broadly stable over 2H20 74 ☑
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