IBL Financial Overview

Solid recurring income base supported by a diversified portfolio Across businesses Across geographies % contribution to adjusted operating profit* % contribution to adjusted operating profit* 100% 100% 90% 90% 80% 80% 70% 70% 60% 60% 50% 50% 40% 40% 30% 30% 20% 20% 10% 10% 0% 0% Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-17 Mar-18 Mar-19^ Mar-20 Mar-21 ■ Wealth & Investment ■ Specialist Banking ■Group Investments^ ■ Southern Africa UK and Other *Adjusted operating profit by geography is Operating profit before goodwill, acquired intangibles and strategic actions, less profit attributable to other non-controlling interests. Adjusted operating profit by business is Operating profit before group costs and before goodwill, acquired intangibles and strategic actions, less profit attributable to other non-controlling interests. "Specialist Banking no longer includes Group Investments which is now shown as a separate segmental division. Prior periods have been restated to reflect the same basis (Group Investments was reported separately from March 2017). Page 6

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