Financial and Liquidity Management Strategy

Asset Quality Market: 6.5% as at Jun/20 2.8% 1.9% NPE Ratio 7.0% 4.2% 9.7% NPE Coverage Ratio 68.0% 64.5% 60.9% Market: 53.1% 89.2% as at Jun/20 76.3% ST Bank # Bank # Bank # Bank # ST Bank # Bank # Bank # Bank # Santander As at Sep/20 27

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