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FY20/21 Investor Presentation

Asset Quality Trends (2) | Healthy stage coverage reflecting prudent risk management Net Impairment Charges (SARmn) +7.3% 550 577 584 594 590 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 Gross Loans by Stage (SARbn) +43.0% 462.0 429.8 4.2 4.0 9.6 323.2 3.4 8.8 8.5 448.3 417.1 311.3 4Q 20 ■Stage 1 3Q 21 Stage 2 4Q 21 Stage 3 FY20 21 Investor Presentation 36 Movement in Net Impairment (SARmn) +8.3% 253 2,166 2,345 (74) FY 20 Gross charges Recoveries FY 21 ECL Coverage (%) 72.4% 71.7% 75.6% 24.0% 27.8% 0.95% 0.86% 24.3% 0.83% 4Q 20 3Q 21 4Q 21 ■Stage 1 Stage 2 ■Stage 3 8

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