IBL Financial Overview

We have a sound track record Recurring income £'mn 2,500 2,000 1,500 1,000 500 0 Mar-17 Mar-18 Other operating income Investment and associate income Net interest income Mar-19 Mar-20 Revenue versus expenses £'mn 100.0% 2,500 77.6% 80.0% 2,000 60.0% 1,500 40.0% 1,000 20.0% 500 0.0% 0 Mar-21 Mar-17 Trading income Net fees and commission income Annuity income* as a % of total income Adjusted operating profit** before impairments £'mn 700.0 600.0 500.0 400.0 300.0 200.0 100.0 Mar-18 1,641 1,165 Mar-19 Mar-20 Mar-21 ■Total revenue Operating costs Credit loss impairment charges £'mn 160 140 477.0 120 100 377.6 880 80 60 64 40 20 20 99.4 0 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 ■Adjusted operating profit before impairments** ■UK and Other ■South Africa ■Legacy and sales *Where annuity income is net interest income and annuity fees. **Operating profit before goodwill, acquired intangibles and strategic actions, less profit attributable to other non-controlling interests. Page 10

View entire presentation