Investor Presentaiton

Broad-based loan growth 410 9% 447 Retail SA 7% 133 124 Net customer loans (Rbn) 17% 66 57 Relationship Banking SA RBB ARO Note: In constant currency, RBB ARO grew 10% and CIB ARO 9% 11 5% 341 324 1H21 1H22 18% 63 53 CIB SA CIB ARO

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