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Investor Presentaiton

Group loan growth momentum continued Gross customer loans (Rbn) Retail SA gross customer loans (Rbn) 5 | 450 5% 400 350 300 25% 250 200 150 100 11% 50 0 Retail Business CIB South Africa 2% 232 FY17 FY18 228 12% 115 103 FY17 FY18 4% 26% 25% 42 44 12% 19 21 RBB Absa Regional Operations CIB Home Loans Vehicle & Asset Finance Card Personal Loans

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