Investor Presentaiton

Lending exposures Credit and counterparty exposures are to a select target market: HNW and high income clients, mid to large corporates and public sector bodies and institutions. 22 22 • The majority of exposures reside in the UK and South Africa • We typically originate loans with the intent of holding these assets to maturity, thereby developing a 'hands-on' and long-standing relationship with our clients Gross core loans by risk category Southern Africa Corporate and other Corporate and acquisition finance 20% Fund finance 2% 28% Power and infrastructure finance 2% Small ticket asset finance 2% Aviation finance 1% Other corporate and financial institutions and governments 1% Lending collateralised by property Commercial real estate 18% Residential real estate 2% High net worth and other private client HNW and private client - mortgages 28% HNW and specialised lending 24% £15.6bn Gross core loans by country of exposure 3.4% 4.1% ■South Africa ■UK EU (excl. UK) ■North America 47.0% £30.2bn 41.9% Africa (excl. SA) Asia Europe (Non-EU) Australia Mar 2022 Other UK and other Corporate and other lending Corporate and acquisition finance 13% 20% Small ticket asset finance 10% 48% Fund finance 9% Motor finance 5% £14.6bn Power and infrastructure finance 3% Other corporate and financial institutions and 3% governments 52% Asset-based lending 3% Aviation finance 2% Lending collateralised by property Commercial real estate 11% Residential real estate 5% High net worth and other private client HNW and private client - mortgages 29% HNW and specialised lending 7% 16% 36%

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