SGBJ - The Acquisition

Strong Financial Track Record - Income Statement (USD millions) 2022 2021 Net Interest Income (CAGR 52%) 2020 97 2022 144 Net Operating Income (CAGR 27%) 2021 92 224 2022 2021 Gross Operating Income (CAGR 39%) 2020 156 142 2022 194 Provisions (CAGR 8%) 2021 28 2020 88 2020 297 2022 40 40 2021 Total Operating Expenses (CAGR 51%) 2020 68 2022 2021 35 2020 102 Net Income (CAGR 73%) 43 43 86 155 128 11

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