Financial Analysis Presentation

Our transformative journey towards the recommended bank of choice by our customers Utb 26 26 Covid-19 debt relief Integration Business transformation Dec 2019: Merger transaction closing 2020 Supported our customers thru Covid-19 pandemics while monitoring portfolio health Merged the two businesses Harmonized two corp. cultures Captured synergy quick wins (e.g., cost and balance sheet) Jul 2021: becoming one legal entity thru EBT 2021 Continue to support our customers in need of help Proactively manage flow to NPL and enhance recovery from stage 2/3 Launch rebrand Complete EBT steps O Revamp existing digital platform Double down on capturing short/medium term synergies (e.g., cross-selling) 2022-23 Maximize the potential of the merged bank's 10mn customer base thru: • • • Financial well-being as guiding principle Sharper proposition addressing banking and beyond banking needs of our targeted customers Top tier digital platform Fully operate under ‘Digital firsť principle, allowing better customer experience, higher agility and leaner cost base The recommended bank of choice by our customers

View entire presentation