Wholesale Banking Strategy

FINANCIAL RATIOS (in %) Sep-21 Sep-20 A (%) CET-1 ratio 25.9 20.5 5.4 Total CAR 34.0 21.6 12.4 LDR 74.1 74.5 -0.5 CASA Ratio 53.0 50.8 2.2 ROA 0.8 0.7 0.1 ROE 3.1 2.7 0.5 |ВОРО / ОЕМ 88.31 92.04 -3.7 CIR 53.6 59.8 -6.2 NIM 4.4 4.4 0.3 NPL (Gross) 3.3 3.8 0.1 NPL (Net) 0.9 1.5 -0.6 Loan at Risk (LAR) 15.6 15.3 0.3 NPL Coverage ratio 216.7 118.3 98.3 Source: Published report (bank only). 53

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