Investor Presentaiton

NET INTEREST MARGIN NET INTEREST MARGIN 4.8% 4.8% 4.7% LOAN YIELD, COST OF FUNDS, COST OF DEPOSITS 10.6% 10.4% 10.7% 10.4% 10.4% 10.4% 10.6% 5.0% 4.7% 4.5% 4.4% 4.8% 4.6% 3.8% 3.8% 3.8% 3.5% 3.6% 4.7% 4.6% 4.5% 4.5% 4.7% 3.5% 3.6% 28 28 3Q20 4Q20 1Q21 2Q21 3Q21 Cost of client deposits and notes 9M20 9M21 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 Loan yield Cost of funds NIM UP IN 3Q21 DUE TO Successful deployment of excess liquidity during the second and third quarters of 2021 on the back of a rebound in economic activity in 2021 NIM OUTLOOK Broadly stable margin going forward

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