Investor Presentaiton

| Strong Financial Track Record – Ratios - Net Interest Margin (Spread) NPL Ratio Provision Coverage Ratio 5.30% 97% 5.07% 92% 91% 4.81% 2.98% 2.97% 2.82% 4.23% 74% 2.44% 2020 2021 2022 Q1, 2023 2020 2021 2022 Q1, 2023 2020 2021 2022 Q1, 2023 Efficiency Ratio 48.0% 45.3% 43.5% 40.5% 2020 2021 2022 Q1, 2023 Including collaterals, coverage ratio for 2022 is 131% and 130% for Q1 2023. 2 Excluding one-offs and non-recurring items. Capital Adequacy Ratio 16.31% 14.87% 14.45% 8.6% 13.74% Return on Equity Ratio (Annualised) 18.7% 18.0% 16.3% 2020 2021 2022 Q1, 2023 2020 2021 2022 Q1, 2023 33 13

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