IBL Financial Overview

Strategic direction We strive to be a distinctive bank and investment manager, driven by commitment to our core philosophies and values. The Investec distinction Client focused approach . Clients are at the core of our business • We strive to build business depth by deepening existing and creating new client relationships • High-tech, high-touch approach High level of service by being nimble, flexible and innovative. Specialised strategy • • Serving select market niches as a focused provider of tailored structured solutions Enhancing our existing position in principal businesses and geographies through organic growth and select bolt-on acquisitions. • One Investec Our long-term commitment is to One Investec; a client-focused strategy where, irrespective of specialisation or geography, we commit to offering our clients the full breadth and scale of our products and services. We are focused on delivering profitable, impactful and sustainable solutions to our clients. To deliver on One Investec, we will focus on imperative collaboration between the Banking and Wealth & Investment businesses; and continue to invest in and support these franchises. This will position Investec for sustainable long-term growth. Sustainable business • ● • Contributing to society, macro-economic stability and the environment Well-established brand Managing and positioning the group for the long term Strong culture • • Strong entrepreneurial culture that stimulates extraordinary performance Passionate and talented people who are empowered and committed • • Balancing operational risk with financial risk while Depth of leadership . Strong risk awareness • Material employee ownership. creating value for shareholders Cost and risk conscious. Our long-term strategic focus • . . We are committed to delivering exceptional service to our clients, creating long-term value for our shareholders and to contributing meaningfully to our people, communities and the planet All relevant Investec resources and services are on offer in every single client transaction Sustain our distinctive, out of the ordinary culture, entrepreneurial spirit and freedom to operate, with the discipline and obligation to do things properly for the whole of Investec. In the short term, our objective is to simplify, focus and grow the business with discipline. Page 7

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