Investor Presentaiton

Strong Capital Position 2008 Mix Capital Demand Capital Adequacy (%) Bank Group Rbn % Credit risk 294 77 Core Tier I 9.7 10.3 Tier I 11.0 11.6 Retail 141 48 Tier II 3.0 2.5 • ACBB 69 23 Total 14.0 14.1 ● Absa Capital 55 19 • Africa and other 29 assets 29 10 Capital Generation (Rbn) Operational risk 45 12 Profit for the period 11.2 Market risk 5 1 Growth in RWA (5.1) Equity risk 37 10 Dividends (4.4) Total RWA's 381 100 Free cash flow 1.7 • Rigorous focus on capital demand and ROEC • Batho Bonke conversion - June 2009 16

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