Investor Presentaiton

Key Performance Ratios Indicator Net Interest Margin Cost to Income Earnings per Share Liquidity Ratio Cost of Risk Cost of Funds Yield on Earning Assets FY 2018 FY 2019 FY 2020 FY 2021 6.6% 7.9% 7.7% 8.0% 81.4% 81.2% 76.6% 75% 32k 37k 39k 47k 42.2% 39.5% 34.9% 37.9% 1.0% 0.9% 1.0% 1.0% 7.4% 6.3% 4.7% 3.6% 14.0% 14.2% 12.4% 11.6% Return on Average Assets (Annualized) 0.8% 0.9% 1.0% 1.0% Post-Tax Return on Average Equity (Annualized) 9.2% 9.8% 8.8% 9.7% Sterling Towers Pre-Tax Return on Average Equity (Annualized) 9.5% 9.9% 9.7% 10.4% NPL Ratio 8.7% 2.2% 1.9% 0.7% Coverage Ratio 75.0% 247.0% 236.2% 474.2% Capital Adequacy Ratio 13.3% 14.7% 18.0% 14.8% Loans to Deposit Ratio 81.6% 69.3% 62.4% 58.5%

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