Embracing Fintech

Q3/19 39.7% Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 21.2% 18.9% 17.7% Q1/21 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 29.8% Wholesale Funding Utilization Maintaining appropriate reliance on wholesale funding WHOLESALE FUNDING / TOTAL ASSETS 23.1% WHOLESALE FUNDING UTILIZATION WELL MANAGED Wholesale funding usage returning to pre-pandemic levels driven by asset growth, partially offset by deposit growth and retention Q2/21 Q3/21 31.2% 31.8% Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/21 Q1/22 Q2/22 Q3/22 • SUITABLE CONCENTRATION OF MONEY MARKET FUNDING Prudent utilization of short-term funding 53

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