Investor Presentaiton

. • • Corporate Governance & Ratings AAA (Long Term) A1+ (Short Term) Entity Rating A very low expectation of credit risk emanating from a very strong capacity for timely payment of financial commitments & not being significantly vulnerable to foreseeable events PACRA CGR • CGR-9+ (Corporate Governance Rating) • Very high level of corporate governance; the rating action takes into consideration the continued commitment of the board & management of the Bank to maintain a sound governance framework. VIS Credit Rating Company • B3 Deposits Rating reflects bank's stable deposits-based funding profile, high liquidity buffer & good earnings generating capacity. ⚫ Outlook stable, constrained by the stable outlook on the sovereign rating. Moody's 11

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