2Q 2023 Investor Presentation

First Half 2023 Results Summary | Results are in line with expectations 1.9% YTD Growth in financing portfolio 3.0% Growth in liabilities 3.0% YTD Balance Sheet Growth Net Financing Total Liabilities 568.3bn FY 22 +1.9% 579.1bn 1H 23 661.4bn +3.0% FY 22 681.3bn 1H 23 5.4% drop in net yield income, impacted by cost of funds 2.9% Non yield income growth 1.2% lower net income YoY Net Yield income Non Yield Income 10,907mn -5.4% 10,319mn 3,197mn +2.9% 3,289mn 1H 22 1H 23 1H 22 1H 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 25.4% 1H 22 2Q 2023 Investor Presentation 7 bps higher in NPL ratio NPL 0.25% 0.54% 1H 23 FY 22 26.7% 1H 23 21 Improved capital position Total Capital Adequacy Ratio 18.9% 1H 22 0.61% 1H 23 21.7% 1H 23 LDR below regulatory minima Loan to Deposit Ratio 85.9% FY 22 3.5% lower operating income 81.9% 1H 23 Operating Income 14,104mn -3.5% 13,608mn 1H 22 1H 23 NPL coverage remained strong NPL Coverage 260% FY 22 225% 1H 23 NPM Lower NPM 3.76% 1H 22 2.98% 1H 23 8

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