Investor Presentaiton

Key ratios 1Q22 1Q21 4Q21 Profitability ROAA, annualised ROAE, annualised RB ROAE 4.1% 2.5% 3.5% 30.7% 21.5% 26.4% 18.0% 20.9% 19.7% CIB ROAE RB NIM 63.5% 23.9% 39.2% Net interest margin, annualised 5.3% 4.5% 5.3% 4.7% 4.1% 4.4% CIB NIM Loan yield, annualised RB Loan yield CIB Loan yield Liquid assets yield, annualised Cost of funds, annualised Cost of client deposits and notes, annualised 5.4% 4.3% 5.8% 11.1% 10.4% 11.0% 11.9% 11.1% 11.7% 9.1% 8.6% 9.2% 4.3% 3.1% 4.0% 5.0% 4.5% 4.8% 3.7% 3.8% 3.5% RB Cost of client deposits and notes 2.6% 2.7% 2.5% CIB Cost of client deposits and notes 6.3% 5.6% 5.6% Cost of amounts due to credit institutions, annualised 8.2% 6.2% 8.3% Cost of debt securities issued 7.0% 6.9% 6.8% Operating leverage, y-o-y 1.5% 9.3% -0.4% Operating leverage, q-o-q 12.6% 10.9% -8.8% Efficiency Cost income RB Cost/income 35.0% 35.4% 39.8% 41.9% 41.6% 50.2% CIB Cost/income 16.7% 19.2% 17.3% * For a description of Key Ratios, refer to page 71 66

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