Investor Presentaiton

Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 37.7% 36.8% 36.0% Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 Q3/18 Q4/18 Q1/19 Q2/19 Wholesale Funding Utilization Managing reliance on wholesale funding and growing deposits WHOLESALE FUNDING / TOTAL ASSETS 25.2% 23.8% 23.4% 22.9% • REDUCED RELIANCE ON WHOLESALE FUNDING Operating in line with peers o Reduced reliance on wholesale funding 。 Sustained focus on deposits as an alternate to wholesale funding Q3/19 Q4/19 42.2% FOCUS ON TERM FUNDING Prudently using money market funding to absorb short term funding requirements 62 62

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