Well Diversified and Liquid Balance Sheet

Appendix: Underlying Performance - Key Adjustments Underlying Total Operating Income Bank ABC H1 2021 H1 2022 Headline TOI $407m $520m +31% 523 Currency Hedge* ($7m) ($1m) 400 Normalized TOI $400m $519m FX impacts and one-offs $4m Underlying TOI $400m $523m H1‘21 H1‘22 Underlying Net Operating Profit H1 2021 H1 2022 Headline Net Operating Profit $154m $189m 147 Currency Hedge* ($7m) ($1m) Normalized Net Operating Profit $147m $188m FX impacts and one-offs $2m Underlying Net Operating Profit $147m $190m +29% 190 H1‘21 H1‘22 Regular hedging transactions to cover open USD position in Banco ABC Brasil Cayman branch that creates a corresponding tax adjustment. 12

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