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Investor Presentaiton

Well diversified loan growth ... Net customer loans (Rbn) 9% 400 368 Product Solutions Cluster ■FY21 FY22 7% 135 126 12% 60 67 Everyday Banking 13% 72 64 Relationship Banking ARO RBB Note: ARO RBB grew 16% and CIB 9% in constant currency. Including loans to banks, CIB grew 14% to R514bn. 15 8% 432 399 CIB

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