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Investor Presentaiton

Strong internal capital generation Total capital (£'bn) . • 3.0 2.5 2.0 1.5 1.0 0.5 140 130 120 110 100 Common equity tier 1 – rebased to 100 90 0.0 2017 2018 2019 2020 2021 2022 2017 2018 2019 2020 2021 2022 ■CET 1 ■Total capital Investec plc UK 'big 5' Total UK sector Investec has strong organic capital generation and has not required recourse to government or shareholders CET 1 and total capital levels have both grown robustly at c.6% and c.8% CAGR, respectively, since 2017 • Investec plc's CET 1 has grown faster (c.7% CAGR) than both the sector (flat) and the UK 'big 5' (c.2% CAGR) since 2017 30 Where the UK 'big 5' banks include HSBC, RBS, Lloyds, Barclays and Standard Chartered (source: Thomson Reuters- All adjusted to GBP) and the Total UK sector is per the Bank of England Peers are shown at the December 2021 period as this is the closest match to the period under review (Investec Bank plc's 31 March 2022 financial year-end).
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