Macro Outlook and Financial Performance

3 Value drivers Client focus Employee engagement Risk and conduct Operational excellence Shareholders & Investors See impact Truly Digital, Truly Human approach • Differentiated personalized offers Invested in employee development Employee engagement, health and wellbeing Workforce diversity . • Information security, data privacy, cybersecurity Third-party risk as we transform to a platform and ecosystem business Improved System Stability Reliability of digital transaction channels Growth through sustainable strategies Improved financial performance Dedicating 1% of Net Profit to CSI ID primary needs in SDGs Standard Bank

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