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Lower interest rates across portfolio, spot Rand weaker 0.0 -1.0 -2.0 -3.0 -4.0 -5.0 -6.0 18 | Change in average interest rates YoY (%) Change in currency versus the Rand (%)* 15 I Average FY18 ■Spot YoY ידו 10 5 0 -5 -10 -15 -20 - | | | | | | | | | | | | | | | | Note: * Negative denotes Rand depreciation, positive is a stronger Rand.

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