Investor Presentaiton

Credit impairments improved further Credit impairments (Rbn) Credit loss ratio (%) FY17 FY18 Underlying FY18 * RBB SA 1.10 0.94 1.06 Retail Banking 1.20 1.04 1.15 Card 4.53 3.42 3.58 VAF 0.87 1.02 1.11 Home Loans 0.30 0.05 0.16 Personal Loans 6.09 5.51 5.80 Business Banking 0.43 0.35 0.53 26% 8.8 (20%) 7.0 (10%) 6.3 CIB SA 0.24 0.36 0.36 Absa Regional Operations 1.34 0.77 0.77 Group 0.87 0.73 0.80 FY16 FY17 FY18 Note: * Excluding impact of International Financial Reporting Interpretations Committee reclassification. 9 |

View entire presentation