Macro Outlook and Financial Performance

7 Profit After Tax N$'000 Positive Impact Negative Impact 366,211 215,490 Non-interest revenue, +6.1% 91,871 127,538 25,740 67,368 36,243 12,297 624,280 FY21 NII growth Fee & commission Trading revenue Other revenue Credit impairments Operating expenses Tax FY22 +17.5% +1.4% +31.8% +13% (44.2%) +5.8% +34.3% +70.5% Standard Bank

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