E.S.F.H — Investor Presentation 2022

Nov 11, 2022

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玉山金控2022 年第3 季法人說明會

November 2022

免責聲明

本份簡報由玉山金控提供，使用者在閱讀簡報資訊同時，應參考玉山金控向主管機關所申 報公開且完整的各項財務業務訊息，我們會盡力確保簡報內容的正確性、完整性與精確度， 但玉山金控並不保證所有資料皆準確無誤，簡報公開後，我們亦不負有因情事變更而即時 修正相關內容義務。

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簡報的內容、陳述或主張非為買賣或提供買賣任何有價證券或金融商品的邀約、邀約之引 誘或建議。玉山金控及其他關係企業代表人無論過失或其他原因，均不對使用或因他人引 用本份簡報資料、亦或其他因簡報資料導致的任何損害負擔任何責任。

大綱

• 2022 年第 3 季財務績效表現

• 2022 年第 3 季業務發展概況

• 附件 金控及子公司損益表及資產負債表

全球總體經濟概況

• 全球經濟放緩，不確定性高

• 全球經濟變數多，面對FED升息、俄烏戰爭、歐洲能源危機及中國房市泡沫等風險，IMF對 前景看法偏保守，下修2023年經濟成長率至2.7%

• 美國通膨仍高，服務類價格及薪資成長率持續推高物價水準，10月CPI年增率7.7%，壓抑通 膨將是FED首要政策目標

• 中國二十大後未放寬清零政策，不動產救市效果不彰，人行續採貨幣寬鬆，經濟持續疲弱

• 地緣政治風險及能源價格高漲持續衝擊歐元區經濟，德國估2023年GDP衰退0.3%，加上義 大利債務風險、英國政策引起市場動盪，歐洲結構性問題難解

• 亞洲貨幣貶值幅度擴大，需留意匯率波動影響及各國央行態度

• 台灣經濟溫和成長

• 考量全球景氣趨緩，主計總處預估2022年經濟成長率3.76%恐再下修；另IMF預估台灣2023 年經濟成長率2.8%，惟仍高於日本(1.6%)及韓國(2%)

• 出口受終端需求下滑及庫存調整影響，短期出口動能受抑制，但半導體、石化製品及交通 運輸設備仍維持正成長

• 民間消費回溫，隨逐步解封及政策補貼，1~9月零售業營業額成長8.6%、餐飲業成長21.4%

• 物價相對穩定，10月CPI年增率2.72%，主因政府透過供給面政策因應物價波動，央行預估 2023年CPI年增率將降至1.88%

1

玉山金控整體概況

	Unit : NT$ million
	2022.09/1 2021.12
總資產	玉山金控 3,492,566 3,230,908
	玉山銀行 3,469,228 3,196,117
	玉山證券 19,655 30,809
	玉山創投 5,178 5,248
主要財務比率	金控每股淨值(新台幣元) 12.98 14.54
	雙重槓桿比率 103.30% 103.06%
	金控資本適足率 119.83%/2 123.48%
實體通路	國內銀行通路 139 139
	海外據點 Branch: HK, LA, Singapore, Vietnam, Myanmar, Japan, Sydney, Brisbane Subsidiary: China and Cambodia (UCB) Rep office in Hanoi, HCM City, and Bangkok 30 overseas sites
	證券分公司 17 17

Note: 1. Preliminary figures of Sep. 2022

2. Audit figures of Jun. 2022

3. Share owned by QFII: 35.2%, as of Sep. 30, 2022

2

2022 年第3 季財業務概況

金控獲利

• 2022年前第三季自結金控淨收益400.4 億元，稅後淨利116.4億元，較去年同期減少26.7%。

• 玉山金控EPS 0.82 元、ROE 8.18%、ROA 0.46%。

• 截至10月稅後淨利127.9億元，較去年同期減少25.7%，EPS 0.90 元。

營運績效

• 存放款快速均衡發展，淨利息收入成長21.2%。總放款成長11.3%，外幣放款成長23.9%；總存款 成長11.8%，外幣存款成長24.2%(yoy)。截至第3季永續相關授信餘額佔法金授信餘額34%。

• 淨手續費收入145.8億元(-8.5%)，受市場波動影響，財管淨手收60.2 億元(-19.3%)；信用卡手收 46.1 億元(+12.1%)、企金手收15.2億元(+25.4%)。隨邊境開放，國內外旅遊、消費回溫，可望推 升各項手續費收入。

• 長期保持優良資產品質，逾期放款比率0.16%，逾期放款覆蓋率740.3%。

本季營運亮點

• 喜悅與榮光：玉山金控榮獲「天下永續公民獎」大型企業組第一名；玉山榮獲金融研訓院菁業獎「最 佳企業金融獎」、「最佳海外發展獎」及「最佳ESG-一般金融組」特優；榮獲《今周刊》評鑑最高 榮譽「最佳財富管理銀行」第一名；The Asset雜誌「台灣最佳財富管理銀行」及「台灣最佳ESG私人 銀行」；以人工智慧開發的「洗錢防制系統」獲 IDC 頒發「台灣最佳數位營運獎」大獎。

• 永續發展：獲主管機關選為「永續金融先行者聯盟」創始成員，矢志發揮金融影響力，邁向永續發展。

• 玉山ESG倡議：玉山號召逾百家優質企業加入玉山ESG永續倡議行動，共同訂下2025年前減碳目標，其 中更有46家企業承諾在2050前達到淨零排放。

3

玉山金控獲利表現

Net Profit稅後淨利

Unit: NT$ million

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20,105 20,559
18,027
17,068
11,643
2018 2019 2020 2021 9M22
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ROE
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12.07%
11.04% 10.95%
10.17%
8.18%
2018 2019 2020 2021 9M22
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EPSEPSEPS
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Unit: NT$ dollars

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1.73
1.58 1.54
1.43
0.82
2018 2019 2020 2021 9M22
ROA
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0.84%
0.78%
0.66% 0.66%
0.46%
2018 2019 2020 2021 9M22
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Note: Preliminary figures of Sep. 2022

4

玉山金控及子公司獲利結構

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Contribution by Subsidiaries 各子公司獲利貢獻 金控及子公司稅後淨利比較
Unit: NT$ million
Bank 9M21
91.0%
9M22
15,885.0
13,907.3
11,642.9
10,742.9
Securities
VC 6.9% 1,321.8 813.3 875.9
249.6
2.1%
Bank Securities VC FHC
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Note: Preliminary figures of Sep. 2022

5

與去年同期獲利比較

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Unit: NT$ million
40,039 (23,698)
9M22 P&L
(1,503)
(3,184) 11,643
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
9M21 P&L -7.4% +0.5% -26.7%
43,229 (23,572)
(1,079)
(2,679) 15,885
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
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Note: Preliminary figures of Sep. 2022

6

玉山金控淨收益結構

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Contribution by Subsidiaries淨收益
與去年同期比較
新台幣400.4億元
Unit: NT$ million
+21.2% YoY
9M21
23,035 9M22
Net Fee Income
36.4%
19,007
15,931
14,581
Net Interest
Income
57.5% Fixed
8,291
Income, FX
& Others
6.1%
2,423
Note: Preliminary figures of Sep. 2022
Net Interest Income Net Fee Income Fixed Income, FX &
Others
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7

玉山金控淨手續費結構

Contribution by Subsidiaries淨手續費收入 新台幣$ 145.8億元

與去年同期比較

Unit: NT$ million

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Corporate
Consumer Banking
Brokerage &
Banking 10.4% others 9M21
+12.1% YoY
1.6% 9M22
Wealth 15.1%
7,459
Management
41.3%
6,017
4,607
4,109
2,932
+25.4% YoY
2,197
1,524
1,215
Credit Card
31.6% 216 236
Credit Card Wealth Consumer Corporate Brokerage
Management Banking Banking & Others
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Note: Preliminary figures of Sep. 2022

8

信用卡業務相關指標

Active Cards

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Unit: Thousand Cards, %
Active Cards Market Share
13.1% 13.6% 13.4% 13.2%
11.5%
4,488 4,531 4,607
4,174
3,404
2018 2019 2020 2021 9M22
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Per Card Spending (Monthly)

Unit: NT$ dollar

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8,595 8,778 8,677
8,327 8,385
2018 2019 2020 2021 9M22
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Card Consumption

Unit: NT$ million

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Consumption Market Share
15.5%
14.6%
13.3% 14.2%
11.7%
472,743 455,935
430,521
359,757
340,160
2018 2019 2020 2021 9M22
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Gross Fee Income

Unit: NT$ million

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9,221
8,339 8,596
6,789
6,168
2018 2019 2020 2021 9M22
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Note: Market share data as of Aug. 2022

9

主要存放款業務比較

Unit: NT$ Bn

Category	2022.9	QoQ Growth %	2022.6	Ytd Growth %	2021
總存款/1	2,855.3	2.6%	2,784.0	5.8%	2,698.6
台幣活期存款	1,077.2	-0.3%	1,080.0	-1.4%	1,093.0
台幣定期存款	614.2	0.2%	612.8	2.6%	598.9
外幣存款/1	1,163.9	6.7%	1,091.2	15.6%	1,006.7
總放款/1、2	1,941.4	2.4%	1,895.8	8.4%	1,790.7
企業放款	923.6	3.1%	895.9	10.0%	839.6
中小企業放款	495.5	1.8%	486.5	5.7%	468.6
外幣放款/1、2	379.7	5.5%	360.0	21.3%	313.0
消金放款	957.7	1.5%	943.7	6.6%	898.7
房屋貸款	478.5	1.6%	470.8	8.6%	440.7
小額信貸	134.0	-2.3%	137.1	-2.4%	137.3
信用卡循環額	12.8	3.2%	12.4	4.1%	12.3

Note: 1. E.SUN Bank Consolidated

2. Loan balance of subsidiaries NT$59.5 billion

10

存款結構分析

Contribution by Subsidiaries 存放比率

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LDR FX LDR NTD LDR
92.3%
90.7%
86.9% 85.8% 87.6%
65.7% 67.3% 66.2% 68.1% 68.0%
31.5% 33.0% 31.0% 33.0% 32.6%
2020 6M21 2021 6M22 9M22
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存款結構比較

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Unit: NT $Bn 9M21
9M22
+24.2% YoY
1,163.9
1,077.2
1,043.8
937.4
614.2
574.9
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NTD Demand NTD Time Deposits FCY Deposits Deposits

11

放款結構分析

Contribution by Subsidiaries放款總額 新台幣$ 1兆8,935億元

YoY Comparison

Unit: NT$ Bn

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495.5 9M21
SME 26.2% 478.5
464.4 9M22
Mortgage 428.1 423.9
25.3%
361.7 344.6
Large
Corporate 310.0
22.6%
134.0
132.5
Credit Card 12.3 12.8
Secured
Revolving Unsecured
Personal Loan
0.6% Personal Loan Large SME Mortgage Credit Card Unsecured Secured
18.2%
7.1% Corporate Personal Personal
Loan Loan
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Note: 1. Secured Personal Loan is fully collateralized by fixed asset 2. Data of E.SUN Bank standalone

12

NIM and Spread

Contribution by Subsidiaries Quarterly Net Interest Margin

Quarterly Interest Spread

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Overall Lending Rate Overall Deposit Rate Interest Spread

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NIM
1.40% 1.41%
1.33% 1.31% 1.30% 1.34%
1.23% 1.23%
1.18% 1.18% 1.18% 1.20%
2.27%
1.86%
1.65% 1.61% 1.60% 1.63%
0.86%
2Q 21 3Q21 4Q21 1Q22 2Q22 3Q22 2Q 21 3Q 21 4Q21 1Q22 2Q22 3Q22
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13

優異的資產品質 1/3

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Contribution by Subsidiaries NPL Ratio
Unit: NT$ million
NPL NPL Ratio
3,045 3,026 3,106
2,855
2,719
0.19%
0.17%
0.16% 0.16%
0.16%
2020 6M21 2021 6M22 9M22
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Coverage Ratio

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Unit: NT$ million
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Loan Loss Reserve Coverage Ratio

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22,994
22,509
21,312
19,985 20,072
783.8%
743.8% 740.3%
703.2%
656.3%
2020 6M21 2021 6M22 9M22
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Note: Data of E.SUN Bank standalone

14

優異的資產品質 2/3

Contribution by Subsidiaries NPL Ratio for Major Products

NPL Ratio for Credit Card

Unit: NT$ million

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Corporate NPL Ratio Mortgage NPL Ratio
0.21% 0.20%
0.18% 0.17% 0.18%
0.08%
0.06% 0.06% 0.06% 0.05%
2020 6M21 2021 6M22 9M22
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NPL NPL Ratio

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120 117 119
92
78
0.11% 0.17% 0.09% 0.15% 0.13%
2020 6M21 2021 6M22 9M22
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Note: Data of E.SUN Bank standalone

15

優異的資產品質 3/3

NPL Comparison with Market

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0.25%
Market avg. 0.21% 0.22% 0.21%
E.SUN
0.17%
0.16% 0.16%
0.19% 0.19% 0.19%
0.17%
0.16% 0.16% 0.16%
2019 6M20 2020 6M21 2021 6M22 9M22
Source: FSC
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16

成本效率比

Unit: NT$ million

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Net Revenue

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Operating Expense(exclu. provision)

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Cost Income Ratio

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52,968.5 53,115.4 52,757.3
59.4% [2]
58.1%
56.7%
54.1%
37,711.0
30,884.9
29,934.6
28,652.3
22,418.0
2019 2020 2021 9M22
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Note: 1. Data of E.SUN Bank standalone 2. Preliminary figures of September 2022

17

資本適足率

FHC CAR Ratio

Bank BIS Ratio

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Tier 2 Ratio Tier 1 Ratio

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136.20%
132.69%
122.57% 123.48%
119.83% 15.64%
14.77%
14.12% 13.97% 13.61%
2.64%
2.39%
2.58% 2.23%
2.56%
13.00% 12.38%
11.54% 11.74% 11.05%
6M20 2020 6M21 2021 6M22
6M20 2020 6M21 2021 6M22
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Note: 1. Audit figures of June 2022 2. BIS of E.SUN Bank standalone

19

以金融引領永續未來

玉山響應綠色金融行動方案3.0

企 積極承作永續連結貸款 #餘額$359億元 業 永續債券發行量金融業第1 #發行$190億元 Sustain (可持續) 轉 +Ability (專業) 型 永續相關授信餘額佔法金授信餘額34% = Sustainability 協助顧客邁向永續 產 赤道原則核准件數第1 #累計核准41件 業 發 承作再生能源類型最多元 展 包括屋頂/地面/水面/漁電、在岸+離岸風電、地熱與儲能

個 人 參 Sustainability as a Service 與 結合永續的金融服務創造更大價值

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創新安養信託服務[#累計信託本金45億元、淨增量NO.1] 推廣ESG主題基金、綠建築房貸、危老重建貸款 首度發行純虛擬「玉山數位e卡」

21

ESG永續倡議行動

倡議企業133家 總營收$6兆元 (46家承諾2050淨零) (佔GDP達23%)

透過ESG諮詢、議合及提供永續金融商品服務，擴大社會減碳影響力

22

Thank You

• If you wish to know more about

• E.SUN, please visit our website site (www.esunfhc.com.tw) for more information.

• If you have further questions, please

• feel free to contact us through email or conference call

• For more information, please contact Investor Relations Department +8862 2175 1313 Ext 9347, 9310, 9302 ir@email.esunbank.com.tw

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1/6 Appendix

Balance Sheet of E.SUN FHC and its subsidiaries as of Sep. 30, 2022

NT$ million E.SUN Bank (Consolidated) E.SUN Securities (Consolidated) E.SUN Venture Capital E.SUN FHC (Standalone) E.SUN FHC (Consolidated)	NT$ million E.SUN Bank (Consolidated) E.SUN Securities (Consolidated) E.SUN Venture Capital E.SUN FHC (Standalone) E.SUN FHC (Consolidated)
Assets： Cash and due from banks 255,385 1,701 501 570 Securities, net 983,563 1,931 4,652 128 Loans, net 1,917,397 - - - A/R, net 117,675 11,696 1 65 Land, premises and equipments, net 33,699 362 - 3 Others 161,509 3,965 24 192,826	256,177 990,267 1,917,397 129,287 34,325 165,113
Total assets 3,469,228 19,655 5,178 193,592	3,492,566
Liabilities: Deposits 2,855,260 - - - Other liabilities 434,180 13,074 119 8,310	2,853,262 453,870
Total liabilities 3,289,440 13,074 119 8,310	3,307,132
Total stockholders'equity 179,788 6,581 5,059 185,282	185,434
Total equity attributable to owners of the company 179,624 6,581 5,059 185,282	185,282
Non-Controlling interests 164 - - -	152
Total liabilities andstockholders'equity 3,469,228 19,655 5,178 193,592	3,492,566

Note: Preliminary figures of Sep. 2022

2/6 Appendix

P&L of E.SUN FHC and its subsidiaries for 9M2022

NT$ million E.SUN Bank (Consolidated) E.SUN Securities (Consolidated) E.SUN Venture Capital E.SUN FHC (Standalone) E.SUN FHC (consolidated)	NT$ million E.SUN Bank (Consolidated) E.SUN Securities (Consolidated) E.SUN Venture Capital E.SUN FHC (Standalone) E.SUN FHC (consolidated)
Operating income Net interest income 22,739 330 0 (36) Net fee income 12,887 1,697 - - Net trading income/(loss) & Derivatives & FX 1,914 16 328 3 Others 171 134 1 11,846	23,035 14,581 2,259 164
Total Net Revenues 37,711 2,177 329 11,813	40,039
Allowance for bad-debt expenses (1,505) 3 0 0 Operating expenses (22,418) (1,181) (11) (271)	(1,503) (23,698)
Income before income tax 13,788 999 318 11,542 Income tax expenses (3,032) (186) (68) 101	14,838 (3,184)
Net Income 10,756 813 250 11,643	11,654
Attributable to owners of the company 10,743 813 250 11,643	11,643
Non-controlling interests 13 0 0 0	11

Note: Preliminary figures of Sep. 2022

3/6 Appendix

E.SUN FHC’s Balance Sheet (Consolidated)

	Yearly Results	Quarterly Results	Quarterly Results
NT$ million	2019 2020 2021	Jun 21 Sep 21 Dec 21 Mar 22 Jun 22 Sep 22
Assets： Cash and due from banks Securities, net Loans, net A/R, net Land, premises and equipments, net Others	128,579 175,722 210,608 742,487 998,478 1,037,395 1,444,322 1,620,374 1,768,641 113,150 116,686 124,412 33,351 33,291 33,881 36,469 27,194 55,971	180,384 189,310 210,608 208,307 198,487 957,488 942,780 1,037,395 1,028,826 1,013,388 1,666,096 1,723,385 1,768,641 1,826,344 1,872,442 114,837 120,435 124,412 119,207 116,586 33,279 33,316 33,881 34,078 34,036 48,587 43,111 55,971 75,752 108,375	256,177 990,267 1,917,397 129,287 34,325 165,113
Total assets	2,498,358 2,971,745 3,230,908	3,000,671 3,052,337 3,230,908 3,292,514 3,343,314	3,492,566
Liabilities: Deposits Other liabilities	2,082,070 2,484,605 2,693,343 243,107 305,539 343,180	2,485,975 2,550,344 2,693,343 2,711,688 2,774,699 321,971 312,332 343,180 384,372 384,892	2,853,262 453,870
Total liabilities	2,325,177 2,790,144 3,036,523	2,807,946 2,862,676 3,036,523 3,096,060 3,159,591	3,307,132
Total stockholders'equity	173,181 181,601 194,385	192,725 189,661 194,385 196,454 183,723	185,434
Total equity attributable to owners of the company	173,058 181,469 194,226	192,585 189,515 194,226 196,294 183,572	185,282
Non-Controlling interests	123 132 159	140 146 159 160 151	152
Total liabilities andstockholders'equity	2,498,358 2,971,745 3,230,908	3,000,671 3,052,337 3,230,908 3,292,514 3,343,314	3,492,566

Note: Preliminary figures of Sep. 2022

4/6 Appendix

E.SUN FHC’s P&L account (Consolidated)

	Yearly Results	Quarterly Results	Quarterly Results
NT$ million	2019 2020 2021	2Q21 3Q21 4Q21 1Q22 2Q22 3Q22
Operating income Net interest income Fee income Net trading income/(loss) & Derivatives & FX Others	19,871 21,339 25,984 18,725 19,831 21,324 15,629 14,707 10,366 298 372 223 54,523 56,249 57,897 (1,598) (3,226) (2,130) (29,855) (32,494) (31,808) 23,070 20,529 23,959 (2,950) (2,481) (3,373) 20,120 18,048 20,586	6,349 6,576 6,977 7,384 7,876 5,139 5,519 5,393 5,173 4,649 2,797 3,036 2,227 936 (477) 58 57 71 58 85	7,775 4,759 1,800 21
Total Net Revenues		14,343 15,188 14,668 13,551 12,133	14,355
Allowance for bad-debt expenses Operating expenses		(668) (769) (1,051) (344) (532) (7,766) (7,989) (8,236) (7,868) (7,700)	(627) (8,130)
Income before income tax Income tax expenses		5,909 6,430 5,381 5,339 3,901 (861) (786) (694) (1,012) (1,133)	5,598 (1,039)
Net Income		5,048 5,644 4,687 4,327 2,768	4,559
Income Attributable to owners of the company	20,105 18,027 20,559	5,042 5,638 4,674 4,325 2,760	4,558
Non-Controlling interests	15 21 27	6 6 13 2 8	1

Note: Preliminary figures of Sep. 2022

5/6 Appendix

E.SUN Bank’s Balance Sheet (Consolidated)

	Yearly Results	Quarterly Results	Quarterly Results
NT$ million	2019 2020 2021	Jun 21 Sep 21 Dec 21 Mar 22 Jun 22 Sep 22
Assets： Cash and due from banks Securities, net Loans, net A/R, net Land, premises and equipments, net Others	128,432 175,678 210,382 737,525 970,129 1,030,673 1,444,322 1,620,374 1,768,641 103,686 102,012 108,589 32,725 32,689 33,266 34,320 46,097 44,566	180,264 189,224 210,382 207,909 198,314 951,715 936,773 1,030,673 1,021,388 1,006,447 1,666,096 1,723,385 1,768,641 1,826,344 1,872,442 96,067 103,123 108,589 102,984 103,001 32,677 32,698 33,266 33,475 33,431 44,220 38,544 44,566 71,903 104,888	255,385 983,563 1,917,397 117,675 33,699 161,509
Total assets	2,481,010 2,946,979 3,196,117	2,971,039 3,023,747 3,196,117 3,264,003 3,318,523	3,469,228
Liabilities: Deposits Other liabilities	2,083,226 2,486,232 2,696,351 226,694 282,949 311,650	2,498,663 2,553,779 2,696,351 2,713,813 2,784,022 292,085 285,634 311,650 361,155 356,452	2,855,260 434,180
Total liabilities	2,309,920 2,769,181 3,008,001	2,790,748 2,839,413 3,008,001 3,074,968 3,140,474	3,289,440
Total stockholders'equity	171,090 177,798 188,116	180,291 184,334 188,116 189,035 178,049	179,788
Total equity attributable to owners of the company	170,959 177,657 187,947	180,142 184,178 187,947 188,864 177,888	179,624
Non-Controlling interests	131 141 169	149 156 169 171 161	164
Total liabilities andstockholders'equity	2,481,010 2,946,979 3,196,117	2,971,039 3,023,747 3,196,117 3,264,003 3,318,523	3,469,228

Note: Preliminary figures of Sep. 2022

6/6 Appendix

E.SUN Bank’s P&L account (Consolidated)

	Yearly Results	Quarterly Results	Quarterly Results
NT$ million	2019 2020 2021	2Q21 3Q21 4Q21 1Q22 2Q22 3Q22
Operating income Net interest income Fee income Net trading income/(loss) & Derivatives & FX Others	19,657 21,095 25,591 17,712 18,044 18,289 15,297 13,593 8,647 302 383 230 52,968 53,115 52,757 (1,603) (3,241) (2,134) (28,652) (30,885) (29,935) 22,713 18,989 20,688 (3,054) (2,501) (3,101) 19,659 16,488 17,587 19,643 16,465 17,559	6,251 6,467 6,872 7,278 7,772 4,261 4,713 4,717 4,567 4,073 2,693 2,558 1,650 485 (529) 60 61 70 60 88	7,689 4,247 1,958 23
Total Net Revenues		13,265 13,799 13,309 12,390 11,404	13,917
Allowance for bad-debt expenses Operating expenses		(669) (769) (1,051) (345) (532) (7,253) (7,436) (7,809) (7,421) (7,303)	(628) (7,694)
Income before income tax Income tax expenses		5,343 5,594 4,449 4,625 3,568 (768) (668) (784) (950) (931)	5,595 (1,151)
Net Income		4,575 4,926 3,665 3,675 2,637	4,444
Attributable to owners of the company		4,568 4,920 3,652 3,674 2,627	4,442
Non-controlling interests	16 23 28	7 6 13 1 10	2

Note: Preliminary figures of Sep. 2022