Macro Outlook and Financial Performance

FY22 FY21 LO 5 Overview of results Strong underlying momentum in our core operations Income before credit Impairments FY22: N$ 2.7 bn FY21: N$ 2.4 bn ROE +11.9% 8.60% 13.70% FY22 FY21 Impairments Profit for the Year FY22: N$ 161 mil FY22: N$ 624 mil FY21: N$ 289 mil FY21: N$ 366 mil - 44.2% CREDIT LOSS RATIO 0.60% +70.5% COST TO INCOME FY22 62% 1.09% FY21 65% Standard Bank

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