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Investor Presentaiton

Britam With you every step of the way Our Operating Context, Dynamic, Demanding Adaptability and Focus : Support to clients and intermediaries Focus on performance and profitability Britam Shift in ways of working Embedding a customer centric model Navigating Business Transformation (Governance and Management) • ° Impact of Covid-19 on clients and businesses Investment Climate Economic recovery driving uptake services Increasing focus on adoption of digital channels Sections of customer base yet to fully recover Performance of listed equities Shift towards fixed income Property performance yet to recover. Dynamic Macro - Environment Growth with GDP recovery across markets Exchange rates remain under pressure Inflation pressure remains . Competitive pressure Increasing competition from both traditional and non-traditional players Rivalry among players sustaining pressure on margins. 11
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