FY20/21 Investor Presentation

ARB delivered excellent results in 2021 | Results are in line with or ahead of expectations Strong 33% YoY Balance Sheet Growth 43.4% Growth in financing driven by mortgages Net Financing 35.5% Growth in liabilities Healthy LDR 410.7bn +35.5% 556.4bn Loan to Deposit Ratio 79% FY 20 FY 21 FY 20 Total Liabilities 315.7bn +43.4% 452.8bn FY 20 FY 21 20.6% Net yield income growth, impacted by slightly lower NPM Solid 39% net income growth YoY Net Yield income 16,913mn 39.8% Non yield income growth 24.1% Operating income growth 82% FY 21 Non Yield Income +20.6% 20,392mn 3,808mn +39.8% 5,324mn Operating Income 20,721mn +24.1% 25,716mn FY 20 FY 21 FY 20 FY 21 FY 20 FY 21 15 bps COR reduction Stable credit quality Cost of risk 0.75% FY 20 5.6 ppt better operating efficiency Key Ratios Cost to income ratio 32.5% FY 20 FY2021 Investor Presentation 11 bps improvement in NPL ratio from strong loan growth NPL 0.60% FY 21 0.76% FY 20 26.9% FY 21 28 NPL coverage remained strong and stable NPL Coverage 0.65% FY 21 306% FY 20 Capital position above regulatory minima Total Capital Adequacy Ratio 19.1% FY 20 Lower NPM NPM 17.6% FY 21 4.71% FY 20 306% FY 21 4.21% FY 21 8

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