IBL Financial Overview

IBL: income statement R'million Interest income Interest expense Net interest income Fee and commission income Fee and commission expense Investment income Share of post taxation profit of associates Trading income/(loss) arising from - customer flow - balance sheet management and other trading liabilities Other operating income Total operating income before expected credit losses 31 March 2021 31 March 2020 % change 26 370 35 279 (25.3%) (17 584) (26 606) (33.9%) 8 786 8 673 (1.3%) 2 804 3 106 (9.7%) (467) (490) (4.7%) 472 601 (21.5%) 81 320 (74.7%) 627 443 41.5% (257) (50) >100% 3 12 049 12 603 Expected credit loss impairment charges (567) (1088) (4.4%) (47.9%) Operating income 11 482 11 515 Operating costs (6 469) (6 632) (0.3%) (2.5%) Operating profit before impairment of goodwill and acquired intangibles 5 013 4 883 2.7% Impairment of goodwill (3) (3) 0.0% Amortisation of acquired intangibles (51) (51) 0.0% Impairment of associates (98) (937) (89.5%) Profit before taxation Taxation on operating profit before acquired intangibles Taxation on acquired intangibles Profit after taxation 4 861 3 892 24.9% (878) 14 (816) 7.6% 14 0.0% 3 997 3 090 29.4 Page 38

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