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FY20/21 Investor Presentation

Capitalization Trends | Capital position well above regulatory minima RWA (SARbn) +31.8% 425.6 395.8 37.8 323.0 33.3 33.3 3.6 2.4 9.3 358.8 385.4 280.4 4Q 20 3Q 21 Credit risk Market risk 4Q 21 Operational risk Capital Ratios (%) Total Capital (SARbn) +21.7% 75.0 71.0 4.8 4.5 61.6 3.5 66.5 58.1 70.2 4Q 20 3Q 21 Total tier 1 capital (T1) 4Q 21 Tier 2 capital (T2) CET1 Drivers (%) 19.1% 18.0% 17.9% 17.9% 17.6% 18.0% 18.0% 16.8% 16.9% 16.8% 16.5% -1.9% -1.50% 0.9% 4.6% 0.1% 16.5% -5.2% 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 4Q 20 Dividends YTD Profit CET1 ratio -TC ratio Other reserves FTA RWA 4Q 21 FY20 21 Investor Presentation 38 8

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