IBL Financial Overview

Key credit strengths • Robust capital base: total capital adequacy ratio of 17.8%, common equity tier 1 (CET1) ratio of 13.3% and strong leverage ratio of 8.1%* • Low gearing: 10.5x Sound balance sheet • Strong liquidity ratios with a high level of readily available cash. The liquidity position of the bank remains sound with a total cash and near cash balance of R129.8bn representing 34.7% of customer deposits Diversified funding base with strong retail deposit franchise and low reliance on wholesale funding Strong risk management frameworks • • Never required shareholder or government support • Group Risk Management operates within an integrated geographical and divisional structure, in line with our management approach, ensuring that the appropriate processes are used to address all risks across the business units . Risk awareness, control and compliance procedures are embedded in our day-to-day activities Board, executives and management are intimately involved in the risk management process • Senior management "hands-on" culture • Stable management - senior management team average tenor of c. 15--20 years Strong culture • Strong, entrepreneurial culture balanced with a strong risk awareness • Employee ownership - long-standing philosophy *The leverage ratio is calculated on an end-quarter basis. Page 16

View entire presentation