Investor Presentaiton

Credit loss ratio increased slightly Credit impairments (Rbn) Credit loss ratio (%) 1H21 1H22 RBB 16% (42%) 10% 0.7 (0.2) 5.2 1.33 1.44 4.7 5.72 6.01 Everyday Banking Vehicle and Asset Finance 1.58 2.24 Home Loans (0.22) 0.19 Relationship Banking 1.14 0.34 RBB ARO 1.74 1.70 CIB 0.24 0.13 Group 0.88 0.91 1H21 RBB CIB 1H22 17 |

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