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Investor Presentaiton

DATA-DRIVEN ORGANISATION 127 70% Data models running online, covering different business processes Automation rate in the retail lending process in 2021 40% Contribution to sales, powered by data- driven models in 2021 KEY DATA-RELATED INITIATIVES DURING 2021 Implementing non-financial recommender engine Running data and Al trainings for middle management Improving analytics for business customers Predicting and improving NPS with data-driven models Improving natural language understanding capabilities Improving customer churn analytics DATA IN BANKING Use of data analytics to cover core banking processes with impact on decision making, automation, sales, customer satisfaction, efficiency DATA BEYOND BANKING Use of data analytics for data monetisation and to create additional value for customers, the Bank, and the ecosystem 20
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