Macro Outlook and Financial Performance

11 Measuring our financial progress Remain committed to achieving our 2025 ambition FY22 2025 Ambition Revenue growth Cost-to-income ratio Credit loss ratio 5% -9% <60% 70 - 100 bps Profit growth ROE FY21 11.9% 3.2% 62% 65% 60bps 109bps Sustainable growth +70.5% -13.1% >15% 13.7% 8.6% Standard Bank

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