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Investor Presentaiton

Net Fund Based Income: FY2021 (2/2) NIM expands 22 bps YoY and 6 bps QoQ on reduced deposit cost Net Interest Margin (%) 5 Year Trend 2.36 2.33 2.27 QoQ (Ann.) Trend 2.37 2.31 2.26 2.32 2.15 4Q '20 1Q '21 2Q'21 3Q '21 4Q '21 2.10 2.32 FY2017 FY2018 FY2019 FY2020 FY2021 12
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