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Investor Presentaiton

Operating Highlights Innovation for Change Pays off Average cost ratio of interest- bearing liabilities 2.99% 2020 Core Tier I capital adequacy ratio 8.39% Cost-to-income ratio 2.94% 2.85% 20.64% 2021 2022 2020 Risk-weighted asset ratio 9.52% 76.20% 9.36% 25.25% 21.44% 2021 2022 74.61% 70.07% End of 2020 End of 2021 End of 2022 End of 2020 End of 2021 End of 2022

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