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Contribution by Business Area Profit Contribution by business area² Breakdown of Advances Book 35.80% 27.10% Bancassurance ABCap ACBB Retail 15.40% 21.70% 65% 12% 2. Calculated after the allocation of capital, funding and corporate centre if the VISA profit of R636m is included in December 2008, the contributions will be as follows: Retail-33.7%, ACBB-25.5%, Absa Capital-20.5% and Bancassurance-14.5% 23% 4

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