49 RW floor • 8 50% - 6 30 5 97% 97% 98% 97% 96% • 1% 1% 1% 1% 1% • 3% 3% 2% 2% 3% Q222 Q322 Q422 Q123 Q223 Q223 1-notch 2-notch 3-notch Impact Stage 1 Stage 2 Stage 3 • 61 61 60 59 55 55 57 53 59 51 Impairment rate (bp) Coverage ratio (%) Q222 Q322 Q422 Q123 Q223