IBL Financial Overview

Peer group companies* (cont.) Investec is one of the most liquid of the Big 5 banks and is a net provider of funds to the interbank market in South Africa. Liquidity: regulatory liquidity coverage ratio Asset quality ratios % 160 150.2 140 120 100 80 60 40 7.00% 124 125.7 6.00% 120.6 6.3% 5.9% 5.5% 5.2% 112.6 20 20 H 5.00% 4.00% 3.00% 2.1% 1.92% 2.00% 1.51% 1.61% 1.46% 1.00% 0.18% 0.00% Investec Bank Absa Group** (bank solo) FirstRand (bank solo) Standard Bank Nedbank Group** (bank solo) Investec Bank Standard Bank FirstRand Nedbank Absa Group ■Credit loss ratio (PnL impairment charge) LCR Regulatory requirement Capital ratios Leverage ratio ■Gross defaults as a % of gross loans / Stage 3 exposure as a % of gross loans subject to ECL Gearing ratio times 7% 6% 10% 9% 8% Absa Group 14 16.0 Standard 14.0 15.4 12.9 11.5 Bank 11.2 12.0 10.5 Investec Bank 10.0 FirstRand 8.0 Nedbank 6.0 5% 4.0 4% 2.0 0.0 3% 9% 10% 11% CET1 ratio 12% 13% 14% Investec Bank Absa Group Standard Bank Nedbank FirstRand *Source: Latest company interim and annual results available 20 May 2021. **LCR not disclosed on a bank solo level. Page 33

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