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Non-Fund Based income Rs Bn 1H 2021 1H 2020 % change Net Fee & Commission Income 4.8 3.7 30.3 Exchange Gains 3.4 1.5 127.6 Insurance Premium 4.9 3.9 26.1 5 5 LO 4 4 3 3 Fee & Commission (Rs Bn) 2 1H 20 1H 21 15 13 11 9 ■ Bank ■Group 7 Strong growth in fees from Cards, Trade and Digital Channels Lower Swap volumes and LKR depreciation boost exchange gains Insurance accounts for 35% of non fund income; high diversity in non fund sources Total Non Fund Income (Rs Bn) Composition of Non Fund Income Others 5% Fees 35% 5 LO 3 Bank ■Group 1H 20 1H 21 Insurance 35% Exchange Gains 25%

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