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2Q 2023 Investor Presentation

FY 2023 Guidance | Progressing in line with "Bank of The Future" strategy Balance Sheet Financing Net profit margin Profitability Cost to income ratio ROE FY 2023 Guidance 1H 2023 Actual Guidance Revision Mid single digit +1.9% Mid single digit -25 bps to -35 bps -57 bps ↓ -40 bps to -50 bps Below 27% 26.7% Above 20% 19.59% Below 27.5% Above 19% Asset Quality Cost of risk 0.30% -0.40% 0.25% ↑ 0.20% -0.30% Capital Tier 1 ratio Above 20% 20.5% 2Q 2023 Investor Presentation 36 Above 20% &

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