Investor Presentaiton

Diversified mix of earnings Diversified geographic business with diverse income streams Geography Business 8 Operating Income 55% 44% Adjusted Operating Profit* 56% 45% Operating Income 5% 72% Income stream Other operating Investment and associate Trading income income 1% income 23% 5% 7% 5% 17% Adjusted Operating Profit^ 76% ■ UK and Other ■Southern Africa ■ Wealth & Investment ■ Specialist Banking Group Investments Operating profit before goodwill, acquired intangibles and strategic actions, less profit attributable to other non-controlling interests. ^ Operating profit before group costs, goodwill, acquired intangibles and strategic actions, less profit attributable to other non-controlling interests. 41% 48% Fee and commission income Net interest income

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