Investor Presentaiton

Strong Financial Track Record - Income Statement (USD millions) Net Interest Income Q1 2023 Q1 2022 44 63 +43% Gross Operating Income Q1 2023 97 +67% Q1 2022 58 Total Operating Expenses Q1 2023 Q1 2022 26 41 +58% CAGR 52% CAGR 38% CAGR 52% 2022 224 2022 297 2022 155 2021 144 2021 194 2021 102 2020 97 2020 156 2020 68 Net Operating Income Q1 2023 56 +75% Q1 2022 32 2022 2021 2020 CAGR 26% Provisions Q1 2023 13 +44% Q1 2022 9 142 2022 92 2021 88 2020 CAGR 6% 40 40 28 35 Net Income Q1 2023 37 -34% Q1 2022 56 CAGR 73% 2022 2021 2020 43 128 86 12 12

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