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Investor Presentaiton

Regaining RBB leadership in SA a priority . Returns remain healthy, while we aim to improve Headline earnings drivers (Rm) • • • revenue and earnings growth Grow consumer finance business Regain retail deposit market share Deliver best in class customer experience with compelling products • Build a scalable and digitally-led business . (10%) 5% 2% (1 294) 984 483 1% 2% 8 748 (41) 8 880 FY17 Revenue Credit Expenses Other* costs FY18 Note: * Includes other operating expenses, taxation, associates and JVs share of post tax results, non-controlling interest and non-headline items. 13 |

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