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3Q 2023 Investor Presentation

Asset Quality Trends (2) | Healthy stage coverage reflecting prudent risk management ECL by Stage (SARmn) 8,992 8,529 8,613 3,470 3,538 4,101 1,924 1,715 1,649 3,598 3,276 2,863 3Q 22 4Q 22 3Q 23 ■Stage 1 Stage 2 Stage 3 Gross Loans by Stage (SARbn) +5.8% 599.4 566.5 5.0 576.9 5.2 6.5 13.1 9.7 9.6 551.8 562.0 579.8 3Q 22 ■Stage 1 4Q 22 ■Stage 2 3Q 23 Stage 3 3 Q 2023 Investor Presentation 30 Movement in ECL by Group (SARmn) -4.2% 809 8,992 8,613 (1,188) 3Q 22 Retail Non-Retail 3Q 23 ECL Coverage (%) 69.5% 67.5% 62.7% 19.8% 17.9% 12.6% 0.65% 0.58% 0.49% 3Q 22 4Q 22 3Q 23 Stage 1 Stage 2 Stage 3 8

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