Investor Day 2020 Overview and Strategy

ENTERING COVID-19 ENVIRONMENT WITH A DE-RISKED BANKING SECTOR 7 • Introduction of responsible lending regulations in December 2018 • Shift in loan portfolio mix that followed the new regulations Robust risk management system at the Bank COST OF CREDIT RISK RATIO COVID-19 impact recorded in 1Q20 2.7% 2.4% 2016 2.2% 1.6% 2017 2018 Cost of credit risk ratio normalised 1.1% 0.9% 2019 9M19 1.1% 9M20 Cost of credit risk ratio

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