Sustainable Social Economic Empowerment

63.0% 52.2% CIR - Group CIR - Bank 63.0% 63.6% 52.4% 49.4% 61.9% 48.0% ■ Key Ratios H Q32020 Q32021 Cost Income Ratio (With provision) ■ Cost Income Ratio (Without provision) Non-Funded to Total Operating 36.5% Income Q32020 Q32021 ■ Cost Income Ratio (With provision) ☑ Cost Income Ratio (Without provision) Total Cost of funds (Deposit+borrowed funds) 3.3% 35.4% 3.1% Q32020 Q32021 Q32020 Q32021 [GO BANK

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