Investor Presentaiton

Wealth & Investment SA Uniquely positioned for SA HNW private clients seeking a holistic, international wealth management service Key facts Future growth drivers Fiduciary Enhance our fiduciary and tax planning services Expand the breadth and depth of our alternative investment offering Alternative investments Total FUM R364.6bn/£19bn % discretionary and annuity 51% 49% 51% % of disc. and annuity offshore 65% Operating margin 33.2% FUM R365bn Average income yield - 95bps discretionary and annuity Target client - investable assets > R5mn # of clients c.44,500 # of offices 10 ■Discretionary and annuity Non-discretionary Private banking # of investment managers 114 FUM: R'bn 400 7 300 200 Offshore 365 333 177 158 100 175 188 0 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Discretionary / annuity Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 ■Discretionary and annuity Non-Discretionary • Success from relationships across W&I and Private Bank, with strategic focus on delivering our One Place ™ value proposition Focus on acquisition across growth segment of client base and digital offering through my Investments • Expand international investment universe that provides clients with broad range of international investments Leverage our expanded international investment offering into new distribution channels Build on strength of client relationships while remaining digitally driven Integration of ESG into our investment process and decision-making; and developing sustainable investment opportunities

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