Investor Presentaiton

OHL Group consolidated results overview Drivers of normalised earnings Normalised earnings - movement analysis (R' million) 18.2% growth in net earned premium 1 871 Negative impact of yield movements (613) (89) Reduced natural perils exposure in Youi 1 102 Operating expense movement includes R102 million increase in commission related to BZI Lower earnings associated with Hastings disposal in Dec 21 74 (489) (53) (43) 1 502 (237) (21) Higher interest rate environment offset by lower equity gains compared to prior six months NEP Life liability Investment income Minorities Other Dec 21 Net claims Operating expenses Normalised associates Tax Dec 22 Increase Decrease Total OUTsurance Group Limited OUT 14

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