Investor Presentaiton

Leverage leading Digital Capabilities to serve customers and the economy Vision Digital Transactions ratio Leverage technology to sustain a competitive advantage through digital banking Serve customer needs anywhere and at any time, through an agile technology ecosystem Be the driver of digital economy, in support of national efforts for structural economic reform Creating shareholder value . Improving operational efficiency through: • • further automation further branch rationalisation Opportunities to cross-sell through: • . modelling customers' needs and behaviours ⚫ offering tailored products and services 1) Comparative figures have been revised in order to include data for the transactions of "Payroll & Group Transfers" through 1Bank. Jan 20191 Jan 20211 Jan 2022 70.7% 86.2% 89.4% Digitally Engaged Customers Jan 20191 Jan 20211 Jan 2022 64.2% 74.9% 78.8% Average mobile logins per month ☐ Jan 2019 Jan 2021 13.4x 15.3x Jan 2022 17.7x Active users of Internet and/or Mobile Banking Jan 2019 224K Jan 2021 Jan 2022 295k 336k 19

View entire presentation