Financial and Mortgage Portfolio Overview

Administrative expenses stable in 2Q22 5.9% reduction in real terms driven by lower salary costs Administrative expenses¹ Cost-to-income ratio² ISKM 5,900 5,768 5,834 5,993 49.9% 47.6% 413 5,088 532 358 446 45.3% 39.4% 42.7% 1,466 327 1,457 1,506 1,515 1,273 1,598 1,307 1,500 1,601 1,588 2,423 2,181 2,279 2,369 2,444 2Q21 3Q21 4Q21 1Q22 2Q22 ■Personal Banking Business Banking Corporate and Investment Banking Other 2Q21 3Q21 4Q21 1Q22 2Q22 C/I ratio C/I target Administrative expenses 1 - by type FTE period end³ ISKM Total assets / FTE³ ISKbn 768 763 735 741 5,900 5,768 5,834 5,993 35 33 33 35 740 38 1.88 1.91 1.94 1.95 1.94 474 400 5,088 402 381 343 342 339 362 346 દ 346 1,111 1,085 1,160 1,109 733 730 702 706 702 481 980 409 532 479 348 3,451 3,276 3,422 3,396 2,953 2Q21 3Q21 ■Salaries and related expenses ■Software and IT expenses ■Depreciation 4Q21 1Q22 ■Professional services ■Real estate and office equipment ■Other administrative expenses 1. Administrative expenses in 2Q21 are excluding 588m one-off cost related to the Bank's IPO. 2. Calculated as (Administrative expenses + Contribution to the Depositor's and Investors' Guarantee Fund - one off items) / Total operating income - one-off items). 2. Target was updated in 1Q21 from the previous <55% 3. FTE numbers exclude seasonal employees. 2Q22 2Q21 3Q21 4Q21 1Q22 2Q22 ■FTE parent FTE subsidiaries 2Q21 3Q21 4Q21 1Q22 2Q22 August-September 2022

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