CalBank Banking Sector Overview & Competitor Benchmarking

CalBank | Non-interest income Growing Fees and Commissions contribution to Operating Income Fees & Commission Income/ Operating Income (%) FY 2022 Contributions to Fees and Commission Income (%) 10.9% 10.5% 7.8% 7.0% will FY19 4.6% FY20 FY21 FY22 Source: Company filings 19.46% 26.60% 32.96% 20.98% Electronic Banking Income ■Trade Transactions ■Credit Related Fees and Comm ■ Others Q123 Electronic banking income has been making an increasing contribution to Fees and Commission Income as we deepen the adoption of digital channels and payment solutions. CalBank 32

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