Q1 2022 Results Presentation

Cost of Risk Returning to Pre-Pandemic Levels NPLs and Coverage Ratio 3.7% 3.4% NPL ratio marginal movement to 3.7% NPL Ratio Loans provision coverage ratio remains strong at 107.3% Coverage Ratio* / ECLs during Q1 2022 were US$25 million, compared to US$20 million reported for the same period last year, broadly in line with historic credit loss levels ECL & Cost of Risk / Cost of risk returning to pre-pandemic levels with a stabilising economic outlook ECL, $m Dec '21 Mar '22 115.4% 107.3% 25 20 20 Q1'21 Q1'22 Cost of Risk** 50bps 56bps *Provision/Gross Impaired Loans. **Impairment / Gross Loans. Bank ABC 9

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