Investor Presentaiton

Insurance drove non-interest income rebound Non-interest income (Rbn) Non-interest income by division (Rbn) 18.4 18% 12.8 22% 16.0 2.7 130% 1.5 721% 15.6 Insurance SA 10.4 2.3 1.2 11.3 10% 0.2 ■1H22 4.1 12% 3.7 10.2 1H21 3.1 11.6 7% 10.6 10.8 1H20 6% 5.2 4.9 1H21 1H22 1H21 1H22 1H21 1H22 ■Net trading ■ Other RBB CIB Fees and commission Note: Net trading excludes the impact of hedge accounting 15 |

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