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Investor Presentaiton

Covid-19 readiness: Call center and non-voice capacity expansion to support incoming relief requests Incoming requests from impacted customers tub ~80k call a month during peak period 1st wave (Full lockdown) ~300k call a month during peak period and dropped 2nd wave ~56k call a month during peak period after partial lockdown, and closely monitor after full lockdown in July 3rd wave (Partial lockdown) (Partial lockdown) by ~70% after peak Mar 2020 Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2021 Feb Mar Apr May Jun % Loan under relief program (phase 1 & 2) to total loan -40% -20% -15% ~14% ~14% 14

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