CalBank Banking Sector Overview & Competitor Benchmarking

CalBank | Operating performance & profitability Returns (%) ROE ■ROA 19.7% 17.8% 18.9% 17.3.2% 2.8% 2.5% 2.7% -8.8% -152.4% 43.9% 60.0% 58.0% 57.1% 2.4% 56.0% 54.0% 52.0% 50.0% Cost-to-Income (%) 59.3% 58.7% 54.7% 52.1% FY18 FY19 FY20 FY21 FY22 Q123 48.0% FY18 FY19 FY20 FY21 FY22 Source: Company filings 20 CalBank 29

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