Investor Presentaiton

Prolonged Higher Rates Impact on Recovery Values NPLs Impairment Ratios 2008 2007 2008 2007 2008 Impairments % % % % H1 % Retail Bank 5.0 2.2 1.68 0.74 1.21 · Home loans 5.4 2.2 1.19 0.26 0.81 • AVAF 3.3 1.5 2.31 1.14 1.57 . Card 7.5 7.6 5.65 3.50 4.46 • Instalment products 9.8 6.5 8.15 5.34 8.01 • Transactional products 3.8 3.4 0.82 0.97 0.85 Commercial Banking 0.9 0.9 0.28 0.37 0.35 Total 3.5 1.8 1.19 0.58 0.93 15

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