IBL Financial Overview

We have a sound track record (cont.) Funds under management Net core loans and deposits £'bn 70,000 FY21: Total net inflows of £1.1bn 58.4 60,000 50,000 40,000 30,000 20,000 10,000 " 15 0 10 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-17 Mar-18 Mar-19 £'bn 40 40 Deposits: an increase of 6.9% since 31 March 2020 Net core loans: an increase of 6.1% since 31 March 2020 120% 34.4 35 100% 30 25 20 111 80% 26.4 75.60% 60% 40% 20% 0% Mar-20 Mar-21 Customer accounts (LHS) UK and Other Southern Africa Total equity and capital resources £'mn 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1,000 0 Mar-17 Mar-18 Mar-19 Mar-20 5,333 Asset quality £'bn 6,814 27 26 Mar-21 ■Total equity (including preference shares and non-controlling interests) ■Total capital resources (including subordinated liabilities) 25 24 23 21 222 22 2 2 Net core loans (LHS) Loans and advances to customer deposits (RHS) FY20 and FY21 impacted by COVID-19 26.4 5% 4% 3% 2.10% 2% 1% 0.35% 0% Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Net core loans (LHS) Credit loss ratio (RHS) Stage 3 loans net of ECL as a % of net core loans subject to ECL (RHS) Page 11

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