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3Q 2022 Results Presentation

Asset Quality Trends (2) | Healthy stage coverage reflecting prudent risk management ECL by Stage (SARmn) 8,885 9,198 8,491 2,857 3,159 2,969 2,440 2,326 1,924 3,588 3,713 3,598 3Q 21 4Q 21 3Q 22 ■Stage 1 Stage 2 ■Stage 3 Gross Loans by Stage (SARbn) +31.7% 566.0 4.5 462.0 4.2 429.8 4.0 9.7 9.6 8.8 551.8 417.1 448.3 3Q 21 4Q 21 3Q 22 ■Stage 1 ■Stage 2 Stage 3 3Q 2022 Results Presentation 13 Movement in ECL by Group (SARmn) -4.4% 8,885 (511) 117 8,491 3Q 21 Retail Non-Retail 3Q 22 ECL Coverage (%) 75.6% 71.7% 66.1% 27.8% 24.3% 19.8% 0.86% 0.83% 0.65% 3Q 21 Stage 1 4Q 21 Stage 2 3Q 22 Stage 3 8

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