Investor Presentaiton

Retail Bank Financial Highlights Attributable Earnings (Rm) 6000 5000 4000 3000 2000 3 706 4 943 1000 0 Dec 2008 Dec 2007 Revenue of R24.9 billion (↑ 15%) Attributable earnings of R3.7billion (25%) Contribution to Group earnings of 35.8% (F07 contribution: 47.8%) Sharp rise in impairments of 159% Cost to income ratio declines to 54% 21 24

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