Investor Presentaiton

We remain well positioned for a tougher macro backdrop Group capital ratios (%) Total loan coverage (%) 31 | 17.0 16.6 15.5 15.0 2.4 2.2 2.8 2.8 1.8 1.6 0.9 1.0 12.8 12.8 11.8 11.2 3.3 4.5 4.1 3.9 FY19 FY20 FY21 FY22 FY19 FY20 FY21 CET1 Other tier 1 ■ Tier 2 FY22

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