3Q 2023 Investor Presentation

Net Impairment & Cost of Risk | Lower net impairment resulted in cost of risk improvement Net Impairment Charges (SARmn) -22.6% 490 353 359 360 379 Cost of Risk (%) 0.43% 0.39% 0.25% 0.25% 0.25% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 9M 22 FY 22 1Q 23 1H 23 9M 23 Movement in Net Impairment (SARmn) 1,649 -33.4% 1,099 (537) (13) Movement in Net Impairment by Group (SARmn) 1,649 -33.4% 826 1,099 (1,376) 9M 22 Gross charges Recoveries 9M 23 9M 22 Retail Non-Retail 9M 23 3 Q 2023 Investor Presentation 28 8

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