2 3 Non-Intervention zone Since April 29, 2019 the Central Bank - PowerPoint PPT Presentation

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Non-Intervention zone Since April 29, 2019 the Central Bank has changed its Fx intervention strategy 4

10.0% 2.1% (3.8)% 14.1% 15.6% 28.4% (2.3)% 36.2% 5

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163,849 163,849 146,123 146,123 141,115 141,115 120,789 120,789 96,570 96,570 13

83,378 81,827 80,172 75,830 66,480 14

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109,677 94,906 97,185 75,673 55,540 16

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Credit Card Loans NPL Credit Card Loans Delinquency +90 Personal Loans NPL Personal Loans Delinquency +90 Retail Segment NPL Retail Segment Delinquency • • 20

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*Efficiency: Personnel, Administrative expenses and Depreciation & Amortization divided by the sum of Net interest income + Net income from financial instruments at fair value through profit or loss + Exchange rate differences on gold and foreign currency, net services fee income, income from insurance activities and other net operating income. 22

• 935.3 874,5 615.4 744.8 • 475.3 23

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