Investor Presentaiton

Key Highlights Structural improvements deliver strengthened Group with significant upside potential Improved governance and risk management Improved governance focus High-quality Board provides oversight and strategic direction Strong Management delivering on strategic priorities Distinctive competitive advantages . Strong franchise and brand recognition • Systemic relevance • Loyal customer base • • • • Differentiated transactional processing Distinctive e-business and Agency capabilities Unmatched local and foreign "market access" Experienced management team Solid earnings accretive business • Optimising core revenue base . Maintained focus on Opex control • Diversified revenue sources in focus • Validated business model, delivering results • Building a fortress balance sheet Revamped risk management resulting in significantly improving asset quality Excellent liquidity with proven low-cost funding mobilisation advantage Improving capital absorbing capacity 6

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