IBL Financial Overview

Exposures to a select target market • Credit and counterparty exposures are to a select target market: . high net worth and high income clients • mid to large sized corporates government, public sector bodies and institutions We typically originate loans with the intent of holding these assets to maturity, and thereby developing a 'hands-on' and long-standing relationship with our clients The majority of the bank's credit and counterparty exposures reside within its principal operating geographies, namely South Africa and Mauritius Gross core loans and advances by risk category at 31 March 2021 Corporate and other 28% 21% Acquisition finance 19.0% Asset based lending 0.0% Fund finance 2.7% Other corporate, institutional, govt. loans 1.2% Asset finance 2.5% R286.0bn Power and infrastructure finance 2.3% Lending collateralised against property Commercial real estate investment Commercial real estate development Commercial vacant land and planning Residential real estate investment Residential real estate development Residential vacant land and planning 16.5% 1.2% 0.3% 1.4% 1.2% 0.3% Resource finance High net worth and other private client HNW and private client - mortgages 28.5% 52% HNW and specialised lending 23.0% Page 27

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