1H-23 Group Financial Performance Presentation

Income trends Income increased by 4.2% to K1.3b in 1H-23. • Despite loan growth of 8.3%, net interest income growth was lower by 1.6% due to lower yields from government securities. FX income increased by NET INTEREST INCOME [km] 875.5 775.2 1H-21 14.7%, due to higher volumes. FEE INCOME [km] Fee income up 4.4%, driven by growth in transaction volumes via our payment channels. !!!BSP +1.6% 889.4 FX INCOME [km] 175.8 154.1 +14.7% 201.7 1H-22 1H-23 1H-21 1H-22 1H-23 207.4 181.3 +4.4% 216.5 1H-21 1H-22 1H-23 11 INVESTOR PRESENTATION 1H-23

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