Investor Presentaiton

NET INTEREST MARGIN NET INTEREST MARGIN 4.6% 4.6% | I 4.2% 4.7% 4.5% LOAN YIELD, COST OF FUNDS, COST OF DEPOSITS 10.6% 10.4% 10.2% 10.4% 10.4% 4.8% 4.8% 4.5% 4.5% 4.5% 3.3% 3.6% 3.5% 3.8% 3.5% 1H20 1H21 2Q20 1Q21 2Q21 1H20 1H21 Loan yield Cost of funds 2Q20 1Q21 2Q21 Cost of client deposits and notes NIM UP IN 2Q21 DUE TO Rebound in economic activity ■ Decline in cost of funds on the back of successful deployment of excess liquidity kept at high level for risk mitigation purposes NIM OUTLOOK Broadly stable margin going forward 28 28

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