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Investor Presentaiton

Costs well controlled as we continue to invest Cost-to-income ratio (%) FY22 Change Mix Rm % % Staff 27 873 7 55 58.0 57.7 Property 1 862 (1) 4 Technology 5 541 12 11 Depreciation 3 133 (10) 6 Professional fees 2 884 22 6 Marketing 1 720 34 3 Communication * 1 486 3 3 3 Cash transportation 1 123 (1) 2 Amortisation 1 668 15 3 Other ** 3 617 9 7 Total 50 907 7 100 FY18 FY19 Note: * printing and stationery plus telephone and postage; ** includes administration fees, equipment costs, fraud, travel and entertainment, auditors, other costs etc. 19 | 56.0 55.2 51.5 FY20 FY21 FY22

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