Investor Presentaiton

Insurance SA drove non-interest income rebound Non-interest income (Rbn) Non-interest income by division (Rbn) 38.4 18% 9% FY21 FY22 32.6 32.6 7.0 105% 12.1 11% 3.4 5.0 11.1 10.3 7.7 9% 7.1 9.3 6.0 23.7 7% 21.6 22.1 FY20 3.2 60% 3% 5.2 4.9 5.1 27% 4.1 3.3 FY21 FY22 Product Solutions Everyday Banking Relationship Banking ARO RBB CIB ■Net trading ■ Other Fees and commission Note: Net trading excludes the impact of hedge accounting 18 |

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