•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

29,53330,577 29,880 29,327 28,970

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

536 545529

492 497

7.5% 7.2% 7.0% 6.9% 7.0%

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

2

•

•

•

13,85614,672 14,427

13,966 13,921

9.5%8.8% 8.8% 9.0%

9.9%

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

15,678 15,905 15,453 15,361 15,049

5.7% 5.5% 5.1% 4.8% 4.5%

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

1.4% 1.4%

1.7%

2.1%

2.5%

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

•

•

─

•

4

5

2

3

42.4% 41.6%

48.0%45.7%

43.3%

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 – Total1 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%

•

•

209 217

145

109 102

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

3

4

309 318

275 267282

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

12

17.1% 16.9%

11.9%

8.3%

6.7%

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

159 164

111

8276

Q2 19 Q3 19 Q4 19 Q1 20 Q2 20

3

2

•

•

•

3

2

10.3%

13.5% 13.8%

7.9%9.7%

11.8%

14.4% 14.7%

9.6%

11.4%

13.3%

15.6% 15.9%

11.8%

13.6%

Q4 2019 Q1 2020 Q2 2020 Cap. req. - New Cap. req. - Old

CET1 ratio Tier 1 ratio Total capital ratio

•

•

•

•

✓

✓

─

─

✓

✓