Investor Presentaiton

CIR - Group 73.2% 63.0% 58.1% 49.9% FY2020 FY2021 CIR - Bank 66.6% 51.8% FY2020 61.5% 48.0% FY2021 ■ Key Ratios ■ Cost Income Ratio (With provision) Cost Income Ratio (Without provision) Non-Funded to Total Operating Income 32.5% 32.1% ☑ Cost Income Ratio (With provision) Cost Income Ratio (Without provision) Total Cost of funds: (Deposit + Borrowed funds) 3.2% 3.3% GO BANK FY2020 FY2021 FY2020 FY2021 52

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