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Banking Sector Financial Highlights

The y-o-y increase in NIM driven by higher loan yield and lower cost of funds Net interest margin 6.6% 6.6% 6.4% 5.7% 5.3% 5.3% Loan yield, cost of funds, cost of deposits 12.6% 12.5% 12.7% 12.6% 11.6% 12.0% 11.4% 6.5% 4.9% 4.6% 4.5% 4.8% 4.7% 5.0% 4.7% 4.1% 4.2% 4.0% 3.6% 3.4% 3.6% 3.6% 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 Loan yield Cost of funds Cost of client deposits and notes 31 ===

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