FY20/21 Investor Presentation

Asset Quality Trends (1) | Asset quality remains healthy and NPL coverage remains strong and stable Cost of Risk (%) Movement in NPL (SARmn) +23.1% 0.75% 0.67% 0.64% 0.62% 0.60% 2,445 FY 20 1Q 21 1H 21 9M 21 FY 21 NPL Ratio (%) 2.48% 2.13% 1.95% 1.89% 1.66% 0.76% 0.70% 0.67% 0.67% 0.65% 746 3,010 (181) FY 20 Retail Non-Retail FY 21 NPL coverage ratio (%) 317.7% 318.1% 305.6% 307.5% 305.6% 0.30% 0.32% 0.33% 0.38% 0.40% 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 Retail Non-Retail -Group FY20 21 Investor Presentation 35 8

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