Investor Presentaiton

Financial Services: Q4 2022/23 Union Assurance PLC: Q4 Earnings Update: John Keells Group Q4 Q1 Key performance FY2022 FY2023 Q2 FY2023 indicators (%) (Jan-Mar (Apr-Jun (Jul-Sep 2022) 2022) 2022) Q3 FY2023 (Oct-Dec (Jan-Mar 2022) Q4 FY2023 (Rs. mn) Q4 2022/23 Q4 2021/22 2023) GWP growth 17 13 3 3 5 Recurring EBITDA 1,899 1,161 Net profit (Rs. Million) 217 262 297 1,970 445 Net profit growth (7) 55 5 44 105 Nations Trust Bank PLC: Q4 Q1 Q2 Key performance FY2022 FY2023 FY2023 Q3 FY2023 Q4 FY2023 indicators (%) (Jan-Mar (Apr-Jun (Jul-Sep (Oct-Dec 2022) 2022) 2022) 2022) (Jan-Mar 2023) Net profit growth (13) (26) 52 16 79 Loan growth 12 12 7 (3) (11) Net interest margin 4.8 6.1 8.1 7.0 8.0 Stage 3 loan ratio (net) 2.0 3.2 2.5 2.6 3.4 The profitability of Union Assurance PLC was driven by the life insurance surplus which recorded an increase against the corresponding period of the previous year and a growth in gross written premiums and net interest income. The profitability of Nations Trust Bank PLC was driven by growth in net interest margins. 34

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