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Investor Presentaiton

FUNDING, LIQUIDITY AND CAPITAL REMAIN SOLID TO SUPPORT GROWTH Funding 120% Liquidity ratio (Bank only) Capital adequacy ratio (Bank only) RWA - Risk weighted assets 60.0% 100% 50.0% 17% 16% 3% 5% 80% 2% 2% 40.0% 35.9% 7% 8% 60% 30.0% 40% 20.0% 69% 71% 20% 0% June 2022 June 2021 *Customer deposits Deposits from Banks Borrowings ■ Other liabilities 25 Equity 10.0% 53.3% 20.0% 18.1% 18.0% 16.2% 16.1% 16.0% 14.5% 14.1% 14.5% 14.0% 12.0% 10.5% 10.5% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 0.0% June 2022 June 2021 June 2022 Core capital to RWA Total capital to RWA June 2021 Statutory minimum core capital to RWA Statutory minimum total capital to RWA Stanbic IT CAN BE

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