SGBJ - The Acquisition

Strong Financial Track Record - Ratios 2.82% Net Interest Margin NPL Ratio 5.30% 2.98% 2.97% 5.07% 4.81% Provision Coverage Ratio¹ 92% 74% 91% 2020 2021 2022 2020 2021 2022 2020 2021 2022 Efficiency Ratio² 45.3% 43.5% 48.0% 16.31% 2020 2021 2022 1 Including collaterals, coverage ratio for 2022 is 131%. 2 Excluding one-offs and non-recurring items. Capital Adequacy Ratio 14.87% 8.6% 14.43% Return on Equity Ratio 18.7% 16.3% 2020 2021 2022 2020 2021 2022 12

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