Investor Presentaiton

Consistently profitable due to diversified and resilient business model 9.1% 9.3% 8.8% 10.5% 15.7% 19.7% 18.0% 18.8% 20.3% 16.5% 9.5% 12.8% 15.6% Total Income '10-'21 CAGR: 9% Net Profit '10-'21 CAGR: 14% 4.7 4.1 4.2 4.0 3.9 3.2 2.7 2.3 1.9 2.0 1.4 0.9 0.7 2.6 2.7 LLLL 0.6 6.5 6.3 6.1 3.9 2.5 1.9 1.7 0.7 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Q1 2022 ■Total Income (USD Bn) ■Net Profit (USD Bn) Return on Average Tangible Equity Excl. NI gain for 2019 11

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