Retail Banking Financial Update

4Q20 AND FY20 KEY RESULTS HIGHLIGHTS 26 26 ROAE 4Q20 2020 21.3% 13.0% Loan growth 31 Dec 2020 +18.9% y-o-y +4.1% q-o-q Deposit growth 31 Dec 2020 +39.1% y-o-y +8.0% q-o-q CET 1 capital adequacy 31 Dec 2020 10.4% Minimum requirement - 7.4% Liquidity coverage ratio 31 Dec 2020 138.6% Minimum requirement - 100% Cost of credit risk 4Q20 2020 0.4% 1.8%

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