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Investor Presentaiton

Maintained our positive momentum Pre-provision profit (Rbn) 7% 7% 5% 33.6 38.5 35.8 Diluted normalised HEPS (c) 132% 25% 13% 48.0 1% 2 482 2 193 1 923 (51%) 946 11 | FY19 FY20 15.8 7.2 ROE (%) FY21 FY22 FY19 FY20 FY21 FY22 NAV per share (c) 13% 16.6 15.8 5% 4% 5% 15 556 14 868 12 605 13 103 FY19 FY20 FY21 FY22 FY19 FY20 FY21 FY22

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