Investor Presentaiton

Unpacking the credit loss ratio - SA Investec Ltd total ECL impairment charges R'mn 1200 1,109 1000 761 800 600 400 200 0 Mar-19 Investec Ltd credit loss ratio bps 60 40 40 20 20 621 63 Mar-20 Mar-21 Mar-22 36 28 18 0 0 Mar-19 Mar-20 Mar-21 Mar-22 25 CLR reduced to 0 bps from 18 bps at Mar-21, below the TTC range of 20-30 bps, driven primarily by: • • Limited default experience, Good recoveries, and Release of R71mn management overlay given credit performance and stable to improved macro-economic outlook relative to FY2021

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