Investor Presentaiton

Balance Sheet, Capital Bank Consolidated 2017 2018 2019 June 2020 All values in USD thousands CAGR (2017-19)| Growth June 2020 Cash & Balances 673,005 450,530 Direct Credit Facilities, net Investments Portfolio 1,298,960 677,406 1,256,642 838,563 428,574 1,539,994 546,614 1,759,722 -20.2% 27.5% 8.9% 14.3% 839,102 1,042,836 11.3% 24.3% Other Assets Total Assets Banks & FI Deposits 172,031 225,433 276,074 311,287 26.7% 12.8% 2,821,401 2,771,168 3,083,744 3,660,459 4.5% 18.7% 152,148 Customer Deposits & Margins 1,920,568 62,960 1,962,515 160,499 2,080,440 381,661 2.7% 137.8% 2,336,906 4.1% 12.3% Loans & Borrowings (Incl. Subordinated) 192,721 Other Liabilities 63,166 Total Liabilities 2,328,602 200,673 69,938 2,296,087 273,173 79,534 2,593,646 346,388 19.1% 26.8% 91,080 12.2% 14.5% 3,156,035 5.5% 21.7% Paid in capital 282,087 282,087 282,087 282,087 Additional Paid in Capital 1,001 1,001 1,001 1,001 Statutory Reserve & General Risk Reserve 61,396 54,426 58,112 58,112 -2.7% Retained Earnings 71,924 74,323 78,145 93,261 4.2% 19.3% Fair Value & FX Reserves/ Adjustments (5,170) (7,337) (5,058) (7,964) -1.1% 57.4% Equity attributed to Shareholders 411,238 404,500 414,287 426,498 0.4% 2.9% Total Shareholders Equity (Incl. Non-Controlling Interest) 492,799 475,081 490,097 504,424 -0.3% 2.9% Total Regulatory Capital Total RWAs Capital Adequacy % Primary Capital % 322,921 340,448 423,086 441,596 2,135,879 2,095,247 2,298,750 2,513,544 15.1% 16.2% 18.4% 17.6% 14.0% 15.4% 16.4% 15.6% 22 22

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