CalBank Banking Sector Overview & Competitor Benchmarking

CalBank | Capitalization Capital metrics remain within regulatory limits despite shocks from DDEP, currency and macro headwinds Tier 1 CAR FY 2020 FY 2021 FY 2022 27.5% Capital Adequacy Ratio 25.0% 20.3% 23.1% 9.5% 22.7% 22.3% 22.5% 20.0% CET 1 Plus conservation buffer 22.3% 25.1% 12.5% 16.7% 17.5% Total CAR 15.0% 25.1% 12.5% 12.5% 22.3% 25.1% 12.5% 10.0%- New Regulatory Minimum 10.0% 7.5% 5.0% FY18 FY19 FY20 FY21 FY22 CalBank Source: Company filings 27

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