Macro Outlook and Financial Performance

BCB Profit After Tax FY22: N$13m FY21: (N$59m) 122% Performance Drivers Net interest revenue FY22: N$263mn FY21: N$ 233mn Non-interest revenue FY22: N$203mn FY21: N$157mn Impairments FY22: N$156.6mn FY21: N$281.9mn 15 ↑ 13% ↑ 29% ↓ 65% KEY TAKEOUTS • The key priority for BCB was to • reduce its non-performing loan ratio and to become a profitable unit. It is therefore pleasing to report that BCB delivered N$13.2 million profit for the year. Profit after tax increased by 122% mainly due to the increase in repo, very strong growth in NIR of 29% and the 65% reduction in impairments. • Refer to note 37 Standard Bank

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