3Q 2022 Results Presentation

FY 2022 Guidance | Continuation of excellent results and strategy execution FY 2022 Guidance 9M 2022 Actual Guidance Revision Balance Sheet Financing Low twenties +23.1% High twenties Net profit margin Profitability Cost to income ratio ROE -55 bps to -65 bps -55 bps Below 26.5% 25.6% No change Below 26.0% 23% -24% 23.08% 22.5% 23.5% Asset Quality Cost of risk 0.40% -0.50% 0.43% No change Capital Tier 1 ratio 17% - 18% 18.4% 3Q 2022 Results Presentation 19 No change &

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