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