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Investor Presentaiton

Continued to manage costs while investing FY18 Change Mix Rm % YoY constant currency growth (%) % 12 Staff 24 031 4 55 Property-related 3 365 1 8 10 Technology 3 194 2 7 Revenue -Operating expenses 8 Depreciation 2 320 17 5 LO Professional fees 2 151 9 5 6 Marketing 1 595 (7) 4 Communication 1 404 0 3 4 Cash transportation 1 266 16 3 2 Amortisation 815 25 2 * Other Total 3.501 18 8 0 43 642 5 100 FY16 FY17 FY18 Note: * includes administration fees, equipment costs, fraud, travel and entertainment, other costs etc. 8 |

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