3Q 2023 Investor Presentation

First Nine Months 2023 Results Summary | Results are in line with expectations 4.0% YTD Growth in financing portfolio 5.2% YTD Balance Sheet Growth Net Financing 5.7% Growth in liabilities Total Liabilities 568.3bn +4.0% FY 22 590.8bn 9M 23 661.4bn +5.7% 699.2bn FY 22 9M 23 5.3% drop in net yield income, impacted by cost of funds 0.9% Non yield income growth 2.3% lower net income YoY Net Yield income Non Yield Income 16,594mn -5.3% 15,720mn 9M 22 9M 23 4,717mn 9M 22 +0.9% 4,761mn 9M 23 14 bps COR reduction Stable credit quality Cost of risk 0.39% FY 22 Operating efficiency remains solid Key Ratios Cost to income ratio 25.6% 9M 22 3 Q 2023 Investor Presentation 2 bps lower in NPL ratio NPL 0.25% 9M 23 0.62% FY 22 26.9% 9M 23 21 Improved capital position Total Capital Adequacy Ratio 19.4% 9M 22 0.60% 9M 23 20.8% 9M 23 LDR below regulatory minima Loan to Deposit Ratio 85.9% FY 22 3.9% lower operating income 81.0% 9M 23 Operating Income 21,311mn -3.9% 20,481mn 9M 22 9M 23 NPL coverage remained strong NPL Coverage 238% FY 22 Lower NPM NPM 3.66% 9M 22 240% 9M 23 2.98% 9M 23 8

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