FY 2018 and Q4-18 Results

Group key ratios [Q4-18] All key ratios remain positive COST TO INCOME TREND ROE [annualised] 32.5% 31.1% 32.0% 28.8% 29.2% 43.1% 42.2% 41.6% 40.6% 40.1% Q4-17 Q1-18 Q2-18 Q3-18 Q4-18 Q4-17 Q1-18 Q2-18 Q3-18 Q4-18 ROA [annualised] LOAN TO DEPOSIT RATIO 3.9% 3.8% 3.6% 3.6% 3.5% 62.6% 63.9% 65.4% 68.3% 68.7% Q4-17 Q1-18 Q2-18 Q3-18 Q4-18 Q4-17 Q1-18 Q2-18 Q3-18 Q4-18 FY 2018 and Q4-18 Results BSP 22 22

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