Investor Presentaiton

42 Net interest income Fee and commission income Fee and commission expense Investment income Share of post taxation profit of associates and joint venture holdings Trading income/(loss) arising from - customer flow - balance sheet management and other trading activities Other operating income Total operating income before expected credit loss impairment charges Expected credit loss impairment releases/(charges) Investec plc: segmental analysis of operating profit (continued) For the year ended 31 March 2021 £'000 Wealth & Investment 2 296 Specialist Banking Private Banking 34 664 CIB & Other 362 754 Group Investments Group Costs Total Group 399 714 501 794 (13 271) 316 813 705 184 276 (773) (61) (12 437) 272 19 22 122 8 853 10 829 31 266 10 829 920 (9) 1 196 (13 141) 13 11 258 15 831 (11 025) 11 262 15 831 319 519 36 536 581 492 8 853 946 400 (4) (1515) (69 677) (71 196) Operating income 319 515 35 021 511 815 8 853 875 204 Operating costs (245 175) 74 340 Operating profit before acquired intangibles and strategic actions (38 033) (3012) (464 873) (18 286) (766 367) 46 942 8 853 (18 286) 108 837 Profit attributable to non-controlling interests 861 74 340 Adjusted operating profit (3012) 47 803 8 853 (18 286) 861 109 698 Selected returns and key statistics Cost to income ratio Total assets (£'million) 76.7% 104.1% 79.8% n/a 0 n/a 80.9% 1016 3 338 20 302 146 n/a 24 802

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