IBL Financial Overview

Actions taken in the past year ENVIRONMENT Took action to address climate issues Achieved net-zero direct emissions for the second year as part of our commitment to ongoing carbon neutrality in our Scope 1 and Scope 2 emissions. Received shareholder support for climate commitments and published our first TCFD standalone report SOCIAL Continued to make progress on diversity and equality GOVERNANCE Strengthened our sustainability governance • • Improved our gender diversity performance at senior leadership level Maintained our Level 1 rating under the Financial Sector Code in South Africa and signed up to the UK Race at Work Charter Contributed £3.2mn in COVID-19 relief to communities Established an ESG Executive Committee to align sustainability activities across the organisation Implemented a more robust ESG screening process Created a framework to link Executive Directors remuneration to ESG KPIs STRATEGY Embedded sustainability into business strategy Launched several sustainability products and services including the first European mid-market ESG-linked subscription lines, the UK's first retail ESG-linked Deposit Plan and Investec Wealth & Investment's launch of a Global Sustainability Equity Fund Created a Sustainable Finance Framework COMMITMENT Deepened our commitment by signing up to several international memberships Refer to our website for more information on Sustainability and ESG at Investec • • UN Environment Programme Finance Initiative (UNEP FI) UN Principles for Responsible Banking (UN PRB) UN Principles for Responsible Investment (UN PRI) Page 13

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