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Investor Presentaiton

1 Key strategic pillars to deliver shareholder value Revenue growth in a more capital efficient way • Grow high quality new lending • . Drive growth in niche areas for further market penetration Diversify through non-banking products and services (insurance and digital) 4 Organisational resilience & ESG Continue to embed ESG sustainability in the Bank's culture Continue to focus on the delivery of ESG targets with a shift of focus to the Environment Invest in our people and promote talent 2 Lean operating model 3 • Ongoing focus on efficiency whilst funding digital transformation and investing in the business. • Asset Quality Maintain high quality new lending Prevent asset quality deterioration following the ongoing macroeconomic uncertainty Normalise Cost of Risk and reduce other Impairments 9
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