IBL Financial Overview

IBL: asset quality R'million Gross core loans to customers subject to ECL 31 March 2021 31 March 2020 Stage 1 Stage 2 of which past due greater than 30 days Stage 3 Gross exposure (%) Stage 1 Stage 2 Stage 3 284 547 285 138 262 395 265 674 14 969 1 297 7 183 4 353 272 15 111 92.2% 93.2% 5.3% 5.3% 2.5% 1.5% Stage 3 net of ECLS Aggregate collateral and other credit enhancements on Stage 3 5 855 2 473 8 253 2 696 Stage 3 net of ECL and collateral Stage 3 as a % gross core loans and advances to customers subject to ECL 2.5% 1.5% Stage 3 ECL impairments as a % of Stage 3 exposure 38.0% 77.2% Stage 3 net of ECL as a % of net core loans and advances to customers subject to ECL 2.1% 0.9% Page 41

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