Investor Presentaiton

OUTsurance Business Gross written premium (R' million) 648 770 829 1 019 17.2% 1 194 2018 2019 2020 2021 2022 Jun 19 Jun 20 Claims ratio Operating profit (R' million) 28 >100% 2018 2019 2020 2021 2022 Key ratios (%) 99.3% 99.3% 95.2% 98.0% 89.8% 86.3% 63.1% 63.1% 57.4% 60.1% 56.9% 52.5% 33.8% 36.2% 37.8% 36.2% 37.9% 32.9% Jun 21 Dec 21 Jun 22 -Cost-to-income ratio --Combined ratio (incl profit share) OUTsurance Group Limited OUT 22 Dec 22

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