Market Leader with Potential for Further Penetration

Glossary & Definitions Total income Total loan credit losses, impairments and provisions T2 Underlying basis Total income comprises net interest income and non-interest income (as defined). Total loan credit losses, impairments and provisions comprises loan credit losses (as defined), plus impairments of other financial and non-financial assets, plus (provisions)/net reversals for litigation, claims, regulatory and other matters. Tier 2 Capital. This refers to the statutory basis after being adjusted for certain items as explained in the Basis of Presentation. Yoy Year on year change. 70

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