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Investor Presentation HY 2020

Deposit Mix As businesses contract due to the pandemic there has been less investment, with businesses opting to hold funds in higher yielding deposits Currency Mix June 2020 30% 70% The deposit mix comprises the 3 banking subsidiaries i&M HOLDINGS Deposit Mix 66% 70% 34% ■LCY - FCY Jun-2019 ■ Low Cost 30% Jun-2020 ■ High Cost 8

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