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Investor Presentaiton

Credit loss ratio increased off a relatively low base Credit impairments (Rbn) 61% Credit loss ratio (%) FY21 FY22 2.2 13.7 87% 33% (29%) (8%) Product Solutions 0.35 0.65 0.6 100% 1.4 (0.2) (0.1) Home Loans (0.05) 0.24 1.3 8.5 Vehicle and Asset Finance 1.45 1.76 Everyday Banking 4.99 6.45 Relationship Banking 0.67 0.45 ARO RBB 2.03 1.64 CIB 0.17 0.27 FY22 Group 0.77 0.96 20 |

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