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Revenue growth drove strong increase in earnings Normalised headline earnings (Rbn) Pre-provision profit up 23% (23% CCY) 8.6 18% 2.8 7% (6% CCY) (1.5) 10% 26% 12% 3.0 27% (0.5) (1.4) 11.0 1H21 Net interest income Non-interest income Operating expenses Credit impairments Other* 1H22 Revenue up 14% (13% CCY) Note: * Includes other expenses, JVs and associates, Taxation, non-controlling interests, headline earnings adjustments; CCY refers to in constant currency 91

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