Investor Presentaiton

Growing deposit base and healthy liquidity standing Growing and diverse liability base Diverse funding base, with growing stable funding from Customer Deposits and Margins (growing by 19% between 2018 and June 2020). Cost of funds has remained stable between 2018 and June 2020. With a consistently healthy NIM over the last period. Liquidity Coverage Ratio (LCR) stands at 142% as of June 2020, well above 100% regulatory minimum. Loan to deposit ratio at an average of 80%. Growing deposit base, with healthy growth in CASA balances ☐ All values in USD millions Stable non-current deposit base at ~65% of total deposits, with non interest-bearing deposits up from 19.8% in 2019 to 31.8% in June 2020. Total deposits grew by 20% between 2018 and June 2020, with CASA balances growing by 12% during the same period. Deposit composition comprises of Retail (55%), Institutional (36%) and Government (8%) as of June 2020. Liabilities Breakdown Deposit Breakdown Segment Breakdown +37% +20% 3,156 2,115 3% SME 5% 1,842 1,760 8% 11% 598 745 (35%) Gov. Current 667 2,594 (32%) Corporate 31% 3% & Savings (38%) 12% 2,296 11% Other liabilities 3%. Loans & Subordinated 9% 6% 1,370 1,244 Deposits 1,093 FI Deposits 3% 80% 74% & CDs (62%) (68%) (65%) Retail 55% 85% Customer Deposits & Margins 2018 2019 June 2020 2018 2019 June 2020 June 2020 18

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