30,577 29,880 545 - PowerPoint PPT Presentation

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• 30,577 • 29,880 545 29,533 29,327 536 2 28,970 529 497 492 • 7.5% 7.2% 7.0% 7.0% 6.9% Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 •

• 15,905 15,678 15,453 15,361 15,049 14,672 14,427 13,966 13,921 13,856 9.9% 9.5% • 5.7% 9.0% 5.5% 8.8% 8.8% 5.1% 4.8% 4.5% • Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

• 2 48.0% 2.5% • 3 45.7% 5 2.1% 43.3% 42.4% 41.6% 4 1.7% ─ 1.4% 1.4% • Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

• Provision ratio – Stage 1 1.7% 1.6% 1.6% • Provision ratio – Stage 2 18.6% 19.2% 16.0% Provision ratio – Stage 3 – Non-purchased debt 43.3% 42.6% 42.3% Provision ratio – Stage 3 – Purchased debt 0.0% 0.0% 0.0% Provision ratio – Total 1 14.1% 13.6% 12.5% • Provision ratio – Stage 1 0.4% 0.3% 0.3% Provision ratio – Stage 2 4.2% 2.4% 1.6% Provision ratio – Stage 3 34.0% 23.5% 20.5% Provision ratio – Total 2.7% 2.6% 2.1%

• 318 217 309 209 1 282 275 2 267 3 145 • 4 109 102 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

• 17.1% 16.9% 164 159 2 11.9% 2 111 • 3 3 8.3% 82 76 6.7% • Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

• • 15.9% 15.6% 14.7% 14.4% 13.3% 13.6% 11.8% • 11.8% 11.4% 9.6% 13.8% 13.5% 10.3% 9.7% 7.9% • Q4 2019 Q1 2020 Q2 2020 Cap. req. - New Cap. req. - Old CET1 ratio Tier 1 ratio Total capital ratio

✓ ✓ ─ ─ ✓ ✓