IBL Financial Overview

Substantial surplus liquidity Cash and near cash balances at 31 March 2021 31.1% R129.8bn 16.2% ■Cash ■Central bank cash placements and guaranteed liquidity 52.7% Near cash (other monetisable assets) · We maintain a high level of readily available, high quality liquid assets, targeting a minimum cash to customer deposit ratio of 25%. Cash and near cash balances have increased significantly since 31 March 2012 (7.4% CAGR) to R129.8bn at 31 March 2021 (representing 34.7% of customer deposits) We delivered liquidity ratios well in excess of regulatory requirements. At 31 March 2021, IBL's (bank solo) three-month average Liquidity Coverage Ratio (LCR) was 151.0%. The minimum LCR requirement of 100% was lowered to 80% as a temporary measure during the COVID-19 pandemic. IBL's (bank solo) Net Stable Funding Ratio (NSFR) was 112.9% (ahead of minimum requirements of 100%) Cash and near cash balances R'mn 180.000 160,000 140.000 IBL Depositor concentration by type at 31 March 2021 6.2% 120,000 Average 100,000 R391.5bn 10 years R'mn 5.2% 80,000 60.000 Average 103 613 Minimum 51 468 4.4% 40,000 Maximum 158 201 20,000 15.8% 31 March 2021 129 759 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 47.0% ■Non-bank financials ■Individuals Non-financial corporates Banks ■Small business 21.5% Public Sector Page 24

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