Investor Presentaiton

IFRS 9 reduced net interest margin Change in net interest margin* (basis points) (12) 483 (3) 3 (3) (3) (2) (3) 3 (2) 3 464 Loans 0 Deposits (8) FY17 IFRS 9 Pricing Mix Pricing Mix Endowment Capital Hedge ** ARO *** Other FY18 Note: * average interest bearing assets; ** interest rate risk management; ***Absa Regional Operations 4

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