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Stanbic 1H23 Financial Results Presentation

LIQUIDITY AND CAPITAL REMAIN SOLID TO SUPPORT GROWTH Liquidity Ratio (Bank only) Capital Adequacey Ratio (Bank only) RWA-Risk weighted Assets 40.0% 35.8% 35.9% 20.0% 35.0% 18.0% 17.4% 30.0% 16.2% 16.0% 14.5% 13.9% 14.0% 14.5% 25.0% 14.0% 12.0% 10.5% 20.0% 20% 20% 10.5% 10.0% 15.0% 8.0% 10.0% 6.0% 5.0% 4.0% 2.0% 0.0% June 2023 June 2022 0.0% June 2023 June 2022 Core capital to RWA 21 | STANBIC 1H23 FINANCIAL RESULTS PRESENTATION Total capital to RWA Statutory minimum core capital to RWA Statutory minimum total capital to RWA

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