Investor Presentaiton

Earnings growth underpinned by very strong revenue Normalised headline earnings (Rbn) Pre-provision profit up 25% (26% CCY) 18.6 18% 5.9 13% 7.1 7% (7% CCY) (3.5) 61% (5.2) 17% 13% (1.9) 21.0 FY21 Net interest income Non-interest income Operating expenses Credit impairments Other* FY22 Revenue up 15% (15% CCY) Note: * Includes other expenses, JVs and associates, taxation, non-controlling interests, headline earnings adjustments; CCY refers to in constant currency 13 |

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