Investec Investor Presentation — November 2019

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21 November 2019INTERIM RESULTS

PRESENTATIONProviso

Please note that matters discussed in today's presentation may contain forward looking statements which are

subject to various risks and uncertainties and other factors including, but not limited to:

changes in the political and/or economic environment that would materially affect the Investec group

changes in legislation or regulation impacting the Investec group’s operations or its accounting policies

changes in business conditions that will have a significant impact on the Investec group’s operations

changes in exchange rates and/or tax rates from the prevailing rates at 30 September 2019

changes in the structure of the markets, client demand or the competitive environment

A number of these factors are beyond the Investec group’s control

These factors may cause the Investec group’s actual future results, performance or achievements in markets in

which it operates to differ from those expressed or implied

Any forward looking statements made are based on knowledge of the group at 20 November 2019

Unless otherwise stated, all information in this presentation has been prepared on a statutory basis

1.Overview –Fani Titi, Joint Group Chief Executive Officer

2.Financial review –Nishlan Samujh, Group Finance Director

Bank and Wealth –Fani Titi

Asset Management –Hendrik du Toit, Joint Group Chief Executive Officer

4.Sustainability –Hendrik du Toit

5.Demerger –Hendrik du Toit

31.Overview –Fani Titi, Joint Group Chief Executive OfficerOVERVIEW5Ourclient franchise businesses have made solid progress asevidenced

bystrong net inflows and growth inassets under management,

loan book andcustomer deposits .