Wholesale Banking Strategy

Q3 2021 FINANCIAL PERFORMANCE Digitization Maintained NIM Well and Improving Cost Efficiency NET INTEREST MARGIN (NIM) % 4.4% 4.7% 4.5% 4.4% 4.4% 59.8% COST TO INCOME RATIO (CIR) % ↓ 618 bps YOY 58.7% 59.5% 52.7% 53.6% Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Source: Published Report (Bank Only) 30 30

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