3Q 2023 Investor Presentation

Asset Quality Trends (1) | Asset quality remains healthy with high NPL coverage Movement in NPL (SARmn) 3,586 (338) +0.1% 342 3,590 4Q 22 Retail Non-Retail 3Q 23 NPL Ratio (%) 1.47% 1.46% 1.32% 1.19% 1.20% NPL Formation (SARmn) +0.1% 3,586 2,287 3,590 (2,283) 4Q 22 Write off Netflow 3Q 23 NPL coverage ratio (%) 248.4% 0.64% 0.62% 0.68% 0.69% 237.8% 239.9% 214.1% 209.6% 0.60% 0.44% 0.46% 0.38% 0.43% 0.36% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Retail Non-Retail Group 3 Q 2023 Investor Presentation 29 8

View entire presentation