Investor Presentaiton

Credit Quality NPL coverage remained healthy ECL Allowance by Stage (SARbn) 11.3 6 11.4 11.4 10.6 10.8 6 6 Total Financing & Advances, Gross by Stage (SARbn) SNB +9% 544.5 553.8 573.9 585.8 603.9 9 22 9 25 8 25 8 25 8 25 3 3 3 3 3 514 519 541 553 571 2 2 2 2 2 QoQ +1% -7% +2% +5% QoQ +2% +4% +2% +3% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 20 23 3Q 23 ■Stage 1 Stage 2 ■Stage 3 ■Stage 1 Stage 2 ■Stage 3 ECL Allowance Movement YTD (SARbn) -0% NPL Coverage by Stage (%) 69.5% o 11.4 0.2 11.4 (0.2) (0.0) +11% -6% -1% 4Q 22 Stage 1 Stage 2 Stage 3 30 23 SNB | 3Q 2023 | Investor Presentation 69.3% 72.3% 73.3% - 78.0% 13.0% 12.8% 11.7% 14.1% - 12.3% 0.40% - 0.35% 0.35% 0.33% 0.36% 3Q 22 4Q 22 1Q 23 20 23 3Q 23 -0- Stage 1 Stage 2 ―0-Stage 3 36

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