Investor Day 2020 Overview and Strategy

STRONG COMEBACK IN 3Q20 ROE - TRACK RECORD OF PROFITABILITY 25.2% 26.4% 26.1% 22.2% 26.0% 21.8% 2016 2017 2018* 2019** 1Q20 2Q20 3Q20 -18.6% 2020 *Adjusted for demerger-related costs, demerger-related corporate income tax gain, one-off impact of re-measurement of deferred tax balances, and one-off termination costs of the former CEO *Adjusted for one-off termination costs of the former CEO and executive management ** Challenging operating environment affecting all quarters in 2020 10 10 Upfront expected credit loss reserves for the full economic cycle and loan modification charges affecting the first quarter

View entire presentation