operating income ratio 22.7% 21.2% 21.2% 1.5% 1.5% 22.6% 22.2% 0.4% Cost to income ratio 41.9% 45.3% 43.5% (3.3)% (1.6)% 43.3% 42.1% 1.2% Return on average assets * 1.17% 1.19% 1.14% (0.02)% 0.03% 1.18% 1.16

operating income ratio 24.3% 21.2% 27.3% 3.1% (3.0)% 22.7% 24.5% (1.8)% Expense to operating income ratio 56.2% 43.5% 45.5% 12.7% 10.7% 45.4% 43.5% 1.9% Return on average assets * 1.04% 1.14% 1.10% (0.10

)% Return on average assets * 0.99% 1.17% 1.04% (0.18)% (0.05)% 1.13% 1.13% - Return on average equity * 7.40% 8.78% 7.86% (1.38)% (0.46)% 8.45% 8.73% (0.28)% * Attributable to owners of the Bank V3 27/02/63

% 24.5% 23.1% 1.4% Expense to operating income ratio 45.5% 41.9% 47.4% 3.6% (1.9)% 43.5% 47.7% (4.2)% Return on average assets * 1.10% 1.06% 1.13% 0.04% (0.03)% 1.09% 1.09% - Return on average equity

24.1% 18.7% 23.9% 5.4% 0.2% Expense to operating income ratio 43.1% 36.6% 42.6% 6.5% 0.5% Return on average assets /1 0.93% 0.99% 1.17% (0.06)% (0.24)% Return on average equity /1 7.32% 7.40% 8.74% (0.08