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Investor Presentaiton

Performance broad-based, benefitting from diversification Headline earnings (Rbn) ■FY21 FY22 (0%) 8% 26% 4.1 4.1 4.0 3.7 3.5 2.8 908% 0.1 1.1 9% 9.0 8.3 Product Solutions Pre-provision 42% Everyday Banking 17% Relationship Banking ARO RBB CIB 4% 30% 13% profit growth: 22 | 72% (0.4) (0.7) Head Office, Treasury, other

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