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2Q 2023 Investor Presentation

Asset Quality Trends (1) | Asset quality remains healthy with high NPL coverage Movement in NPL (SARmn) 3,085 (46) +15.8% 535 3,574 4Q 22 Retail Non-Retail 2Q 23 NPL Ratio (%) 1.37% 1.10% 1.13% 0.99% 0.84% 0.57% 0.55% 0.54% 0.60% 0.61% 0.44% 0.46% 0.35% 0.38% 0.43% NPL Formation (SARmn) +15.8% 2,127 3,574 3,085 (1,638) 4Q 22 Write off Netflow 2Q 23 NPL coverage ratio (%) 293.0% 272.3% 260.2% 230.4% 225.0% 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 Retail Non-Retail Group 2Q 2023 Investor Presentation 29 8

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