Investor Presentaiton

34 NatWest Group plc Clydesdale Bank plc HSBC Holdings 140% 120% 100% 79% 72% 75% 80% 61% 60% 40% 20% 0% Barclays plc NatWest Group plc Investec plc 30% 25% 20% 15% 10% 5% 0% 24.1% 23.1% Capital ratios¹ (larger number is better) Total capital ratio ■CET1 ratio ■Leverage ratio 22.3% 21.6% 21.2% 17.3% 16.5% LLLLL Barclays plc Santander UK Group plc HSBC Holdings Close Brothers Group plc Investec plc 0.8% 127% 111% 107% 0.5% Investec Bank plc: peer group comparisons Funding: Loans and advances to customers as a % of customer deposits (smaller number is better) Credit loss ratio: ECL impairment charges as a % of average core loans and advances (smaller number is better) 0 5 10 15 20 20 7.8 25 0.0% Bardays plc 0.3% -0.1% -0.1% -0.3% -0.2% HSBC Holdings Source: Company year end/interim financial results as at 18 May 2022. Investec plc applies the Standardised Approach in the calculation of risk-weighted assets and as a result we inherently hold more capital than our peers who are on the Advanced Internal Ratings Model Approach. The Group is in the early stages of a process to migrate from the Standardised Approach to the Internal Ratings Based (IRB) approach. Investec plc's total RWAs/Total assets was 60.8% at 31 March 2022, which is substantially higher than some other UK banks which have an average RWA density of c.30%. Close Brothers Group plc Investec plc HSBC Holdings Santander UK Group plc Investec plc Gearing ratio: Assets/Equity (smaller number is better) 10.4 14.9 15.98 17.9 Clydesdale Bank plc Santander UK Group plc NatWest Group plc Barclays plc Clydesdale Bank plc 0.4% 0.2% 0.2% NatWest Group plc 19.7 18.7 Close Brothers Group plc 0.6%

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