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Investor Presentaiton

Financial Highlights - Solid and Profitable first Half 2022 Total Operating Income, US$m Underlying* $523m $400m H1‘21 H1‘22 Headline* $407m $520m T1 Capital Ratio, % Bank ABC Underlying TOI of US$523m (+31% growth) reflects strong recovery across most of our markets and business lines, benefitting from increase in interest rates and consolidation of BBE. 15.9% 16.6% Dec '21 Jun' 22 Underlying Net Operating Profit, US$m The Group has concluded an AT1 capital issuance, further strengthening its capital position / Capital base remains strong, stable & significantly above regulatory minimum levels / CET 1 Ratio (14.7%) comprises the majority of Tier 1 Ratio $147m $190m H1 2021 H1 2022 Underlying* net operating profit (before provisions and taxation) +29% growth, also benefiting from the consolidation of BBE / Net Profit to shareholders of US$70m (+27%) with cost of risk in line with historical levels * Please refer to appendix for headline vs underlying basis calculation/definition 5
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