Investor Presentaiton

Summary of expected credit loss model: general model Initial recognition Allowance: Criterion: (with exceptions) 'Performing' 12-month expected credit losses 'Under-performing' 'Non-performing' Lifetime expected credit losses The credit risk has increased significantly since initial recognition Interest revenue based on: Gross carrying amount Objective evidence of impairment Gross carrying amount Net carrying amount Change in credit quality since initial recognition improvement deterioration

View entire presentation