Macro Outlook and Financial Performance

19 Capital and Dividends 17.7 17 16.0 15.6 15.2 14.7 14.7 14.7 15 14.4 13.3 13.3 12.9 13 11 9 7 11.9 5 FY17 FY18 FY19 FY20 FY21 FY22 10 - Tier 1 Capital Adequacy Ratio -Total Capital Adequacy Ratio Dividends Dividend per Share (cents) Return on Equity 46 (FY21: 15) KEY TAKEOUTS • The group maintained its strong capital adequacy ratios with total regulatory capital at 17.1%. • The ROE improved from 8.6% to 13.7%. The group is well- positioned to achieve its ROE target of a minimum of 15% by 2025 Dividend per share increased by 31c a share to 46c per share 13.8 (FY21: 8.6) Standard Bank

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