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2Q 2023 Investor Presentation

Asset Quality Trends (2) | Healthy stage coverage reflecting prudent risk management ECL by Stage (SARmn) 8,861 8,028 8,041 3,061 3,037 3,600 2,157 1,715 1,571 3,643 3,276 2,870 2Q 22 4Q 22 2Q 23 ■Stage 1 Stage 2 Stage 3 Gross Loans by Stage (SARbn) +11.1% 576.4 587.1 4.7 6.0 528.6 4.3 12.0 9.6 9.8 514.4 562.0 569.1 2Q 22 4Q 22 ■Stage 1 Stage 2 2Q 23 Stage 3 2Q 2023 Investor Presentation 30 Movement in ECL by Group (SARmn) -9.3% 519 8,861 8,041 (1,339) 2Q 22 Retail Non-Retail 2Q 23 ECL Coverage (%) 70.7% 64.1% 59.9% 21.9% 17.9% 13.1% 0.71% 0.58% 0.50% 2Q 22 4Q 22 2Q 23 Stage 1 Stage 2 Stage 3 8

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