Investor Presentaiton

Key Highlights Franchise strength, solid funding base, improving operational excellence and disciplined capital management underpin strong investment case Low Cost of Funding 2024 H1 2021 FY 2022 Q1 2023 Financial Targets Strong Internal ROE Healthy Profitability Capital Generation 9.9% 14.5% 20.1% >20% Sustainable Stable Funding Profile Improved Income Asset Growth Quality Solid Earnings Strong Franchise Improved Governance Potential CIR 68.6% 61.7% <58% COR 2.2% 2.0% 1.7% <1% NPL 7.2% 4.3% 4.0% <5% 8

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