Investor Presentaiton

Historical key financial indicators 2019 2020 2021 2022 FY 2023 Return on Average Capital Funds 6.50% 5.50% 6.70% 11.24% 9.52% Return on Average Assets 0.80% 0.70% 0.80% 1.17% 1.06% Net Interest Margin 4.00% 4.30% 4.10% 3.70% 3.42% Cost-to-Income Ratio 60.80% 58.20% 61.90% 56.46% 59.29% CASA to Total Deposits 54.70% 56.40% 55.50% 49.09% 52.48% Net NPL Ratio 2.20% 2.90% 3.30% 2.00% 1.58% Credit Cost 1.70% 2.20% 1.20% 1.07% 1.48% CAR 13.80% 16.10% 15.20% 15.29% 17.37% 28

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