Investor Presentaiton

Balance sheet synergy realization already in place Deposits mix Cost of deposits (excl. FIDF) tub 1,398 bn TD+NCD 419 bn Hybrid 1,324 bn 144 bn (11%) (30%) 538 bn (38%) 702 bn (53%) CASA 441 bn (32%) 2019 478 bn (36%) 2Q21 High-cost TD+NCD deposit has been replaced with lower cost hybrid & CASA funding 1.06% 50 bps COD drop at ttb vs. industry's drop of 38 bps 0.56% 0.53% 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 ☐ Balance sheet optimization strategy has resulted in a sharp decline of TTB's COD by 53 bps (from 1Q20 to 2Q21) 5

View entire presentation