Investor Presentaiton

Premium revenue and earnings diversification Short-term insurance activities - net earned premium OUTsurance SA (Dec 21: 47%) 44% Gross written premium 56% Youi Australia (Dec 21: 53%) • Youi's rapid growth is contributing to the diversification profile of the Group 61% OUTsurance SA (Dec 21: 91%) Normalised earnings 39% Youi Australia (Dec 21: 9%) • Earnings from the Australian operation is more exposed to retained natural perils losses whereas the earnings from OUTsurance South Africa is more stable. OUTsurance Group Limited OUT 9

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