3Q20 Financial Performance

KEY RATIOS 77 3Q20 3Q19 2Q20 9M20 9M19 Profitability ROAA, annualised ** 3.0% 3.2% 2.4% 1.1% 3.0% ROAA, annualised (unadjusted) 3.0% 3.2% 2.4% 1.1% 2.9% ROAE, annualised ** 26.0% 26.8% 21.8% 9.9% 24.7% RB ROAE ** 25.0% 30.7% 16.4% 5.6% 27.6% CIB ROAE ** 30.7% 24.6% 31.5% 17.1% 24.5% ROAE, annualised (unadjusted) 26.0% 26.8% 21.8% 9.9% 23.7% Net interest margin, annualised 4.8% 5.4% 4.2% 4.7% 5.7% RB NIM 4.8% 6.1% 4.0% 4.6% 6.3% Loan yield, annualised CIB NIM RB Loan yield CIB Loan yield 3.6% 3.2% 3.4% 3.7% 3.5% 10.7% 11.5% 10.2% 10.6% 11.8% 11.7% 12.8% 11.1% 11.5% 13.1% 8.6% 8.9% 8.3% 8.6% 9.1% Liquid assets yield, annualised 3.3% 3.2% 3.4% 3.5% 3.4% Cost of funds, annualised 4.7% 4.5% 4.8% 4.8% 4.5% Cost of client deposits and notes, annualised 3.8% 2.9% 3.5% 3.5% 3.0% RB Cost of client deposits and notes 3.1% 2.6% 2.9% 2.9% 2.7% CIB Cost of client deposits and notes 4.6% 3.2% 4.2% 4.2% 3.4% Cost of amounts due to credit institutions, annualised 6.9% 6.8% 7.3% 7.3% 7.0% Cost of debt securities issued 7.0% 7.7% 7.7% 7.5% 7.6% Operating leverage, y-o-y *** 1.9% -5.2% -13.6% -6.4% -1.7% Operating leverage, q-o-q Efficiency Cost Income *** *** 17.8% 1.2% -11.9% 0.0% 0.0% 37.1% 37.9% 43.9% 39.7% 37.3% RB Cost/Income *** CIB Cost/Income *** 41.8% 38.0% 56.3% 47.5% 37.1% 23.0% 30.4% 22.9% 21.8% 29.2% Cost Income (unadjusted) 37.1% 37.9% 43.9% 39.7% 38.8% * For the description of Key Ratios, refer to page 80 ** The 9M19 ratios are adjusted for one-off employee costs related to termination benefits of the former CEO and executive management *** The 9M19 ratios are adjusted for one-off employee costs related to termination benefits of former executive management

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