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Investor Presentaiton

Specialist Banking UK Winning in under-serviced parts of the market through dynamic, full service offering Private clients For high net worth clients that need a banking partner to provide intellectual and financial capital to achieve their vision of success Private companies For UK mid-market founder and entrepreneur-led businesses looking for a banking partner to support their needs, along every stage of their journey Private equity and sponsor-backed companies For UK mid-market Private Equity clients looking for boutique service with 'bulge bracket' capability and award- winning franchises Publically listed companies For UK mid-market listed companies looking for top-ranked corporate broking and equity research and strategic advisory Specialist sectors International specialist sector clients looking for a corporate finance and banking partner with deep expertise and an innovative approach 4 Mortgages & Personal Lending, Cash Management & Foreign Exchange, Private Capital, integrated with Wealth Mgmt. £'bn Loan growth* 16 12 10 120 14 8 CO 6 4 Growth & Leveraged Finance, Working Capital & Asset Finance, Specialist Lending, M&A Advisory, Equity Capital Markets, Treasury & Risk Solutions CAGR: 11% Permanent employees 2,000+ 14.4 12.3 % Contribution to adjusted operating profit^ c.27% of Investec Group % Contribution to c.48% loan book of Investec Group 2 0 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 *Net core loans. Information for financial years prior to 2019 reflects the results of the ongoing business (excluding UK Specialist Bank legacy assets and businesses sold). Information from FY19 onwards is presented on a statutory basis. Operating profit before Group costs, goodwill, acquired intangibles and strategic actions, less profit attributable to other non-controlling interests.
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