Investor Presentaiton

Unpacking the credit loss ratio - UK Investec plc total ECL impairment charges £'mn 80 76 71 60 60 40 40 20 20 0 25 25 Mar-19 CLR reduced to 17 bps from 56 bps at Mar-21, below the TTC range of 30-40 bps • Total ECL charges of £25mn (Mar-21: £71mn) mainly driven by: • • • Lower specific impairments Net model releases due to updated macro- economic scenarios Modest management overlay increase to account for continued economic uncertainty 25 • Mar-20 Mar-21 Mar-22 Investec plc credit loss ratio bps 80 60 60 40 40 69 69 56 0 Mar-19 Mar-20 Mar-21 20 38 24 17 Mar-22

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