Financial Highlights

Financial Highlights US S milZns, except per share anujnts. as at or the year ended October 31 Common share information Per share (IJS cents) Share price (US cents) - basic and diluted earnings/(loss) - adjusted basic and diluted earnings/(loss) - regular dividends paid - special dividend paid - closing Shares outstanding (thousands) - end Of the period Market capitalisation Value measures Dividend yield (dividends per share/share price) Divdiend payout ratio (dividends/net income) Adjusted dividend payout ratio (dividendsjnet income) Financial results Total revenue Credit loss expense on financial assets Impairrnent Of intangible assets Operating expenses Net income/(loss) for the year Financial measures Efficiency ratio (operating expenses/total revenue) Return on equity (net income/average equity) Adjusted return on equity (adjusted net income/average equity) Net interest margin (net interest income/average total assets) Statement Of Financial Position Information Loans and advances to customers Total assets Deposits & other borrowed funds Debt issued Total equity Statement Of Financial Position quality measures Common equity to risk weighted assets Risk weighted assets Tier capital ratio Tier I and II capital ratio Other information Full time equivalent employees 2022 11.0 11.6 4.0 1,246 5.1% 35.8% 33.7% 66.4% 15.2% 16.2% 6,650 13,131 11,426 1,159 14.5% 8,001 14.8% 16.4% 2,654 1,419 12.5% 11.3% 543 70.9% 11.7% 13.0% 6,502 12,856 11,059 1,151 13.9% 8,254 13.0% 157% 2,796 (10.1) (159) 677% -14.0% 6,374 12,179 10,844 l,oog 12.9% 7,836 12.3% 2,982 2019 10.5 11.7 2,208 46.1% 41.7% 64.9% 14.2% 15.7% 6,145 11,562 10,026 1,257 16.8% 7,472 14.5% 16.2% 3,091 10.1 6.3 12.7 134 2,113 98.4% 610% 102 387 1 63 66.6% 12.6% 5,905 10,996 9,537 91 1,153 16.2% 7,096 14.3% 15.6% 3,012