Investor Presentaiton

Clear, unchanged, balanced strategic priorities Higher growth in target segments, including Agri, SME, MyBank Targeted growth to optimise the portfolio Disciplined cost management Reshaping the distribution channels for business efficiency ☐ Maintain strong ROE with a focus on margin management Efficient use of capital Growth Return Various drivers Maintain discipline Productivity Continued improvement Strength A strong company ■ Continued strengthening of balance sheet ■Continued activity in the wholesale market : 8 W

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