Investor Presentaiton

Credit impairments dampen Everyday Banking earnings. Headline earnings (Rm) Pre-provision profit growth: 25 | ■FY21 ■FY22 6% 3 306 3 110 (149%) 54 981 (13%) 856 146 (174%) (108) (111) Card Personal Loans Transactions and Deposits Other 14% 26% 9% (0%) 4 126 4 108 Everyday Banking 17%

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