Investor Presentaiton

KEY RATIOS 3Q21 3Q20 2Q21 9M21 9M20 Profitability ROAA, annualised ROAE, annualised RB ROAE CIB ROAE Net interest margin, annualised RB NIM CIB NIM Loan yield, annualised RB Loan yield CIB Loan yield Liquid assets yield, annualised Cost of funds, annualised 3.3% 3.0% 3.6% 3.2% 1.1% 25.7% 26.0% 29.4% 25.7% 9.9% 23.4% 26.2% 22.1% 22.2% 7.0% 31.4% 28.9% 42.6% 32.8% 15.3% 5.0% 4.8% 4.7% 4.8% 4.7% 4.2% 4.4% 4.1% 4.2% 4.2% 5.5% 4.2% 4.9% 4.9% 4.3% 10.6% 10.7% 10.4% 10.4% 10.6% 11.4% 11.6% 11.1% 11.2% 11.5% 8.7% 8.6% 8.5% 8.6% 8.7% 3.6% 3.3% 3.3% 3.4% 3.5% 4.7% 4.7% 4.5% 4.6% 4.8% Cost of client deposits and notes, annualised 3.6% 3.8% 3.5% 3.6% 3.5% RB Cost of client deposits and notes 2.5% 3.1% 2.6% 2.6% 2.9% CIB Cost of client deposits and notes 5.6% 5.2% 5.0% 5.4% 4.7% Cost of amounts due to credit institutions, annualised 8.0% 6.9% 6.9% 7.0% 7.3% Cost of debt securities issued 6.8% 7.0% 7.0% 6.9% 7.5% Operating leverage, y-o-y 1.1% 1.9% 23.9% 10.9% -6.4% Operating leverage, q-o-q Efficiency Cost income RB Cost/income CIB Cost/income -1.2% 17.8% -3.1% 0.0% 0.0% 36.8% 37.1% 36.4% 36.2% 39.7% 45.9% 41.3% 46.0% 44.6% 46.9% 16.6% 21.8% 15.9% 17.1% 20.5% * For the description of Key Ratios, refer to page 88 85

View entire presentation