Investor Presentaiton

SIGNIFICANT UPSIDE IN PRODUCT OFFLOADING TO DIGITAL CHANNELS HAVING ACHIEVED HIGH TRANSACTIONS OFFLOADING RATE TO DIGITAL CHANNELS, OUR AIM NOW IS TO INCREASE PRODUCT OFFLOADING RATE PRODUCT OFFLOADING* THOUSANDS 13 60 50 40 8R200 COVID-19 pandemic impact Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 I Numbers of activated products 79.1 70% 60% 50% 40% 30% 20% 10% 0% May-21 Jun-21 Total offloading, % * Mainly comprises cards, deposits and loans offloading through digital channels Continuously developing our digital products and refining end-to-end digital journeys. Our digital channels' functionalities are updated every two to three weeks Digital consumer lending process improvements launched at the end of June 2021 ■ Further improvements planned in deposit activation process in digital channels in 3Q21 21% JUN-21 Total products offloading rate c.36% Planned offloading rate over the next 12 months

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