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Investor Presentaiton

Disclosures Objective: Enable users to understand entity's estimate of expected credit losses and changes in credit risk Reconciliation of opening and ending gross carrying amount and credit loss allowance or provision Financial instruments measured at 12-month ECL Financial instruments measured at lifetime ECL Financial instruments with objective evidence of impairment Credit-impaired financial assets Inputs, assumptions and techniques ► Collateral information ▸ Disaggregation by credit risk rating grades Write-off policy Assets evaluated on individual basis

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