ABSA GROUP LIMITED - Pillar 3 Risk management report as at 31 March 2025

Pillar 3 Risk management report as at 31 March 2025

ABSA GROUP LIMITED                                                       ABSA BANK LIMITED
(Incorporated in the Republic of South Africa)                           (Incorporated in the Republic of South Africa)
(Registration number: 1986/003934/06)                                    (Registration number: 1986/004794/06)
ISIN: ZAE000255915                                                       ISIN: ZAE000079810
JSE share code: ABG                                                      JSE share code: ABSP
Bond code: ABGI                                                          Bond code: BIABS
(Absa Group or the Group)                                                (Absa Bank or the Bank)




PILLAR 3 RISK MANAGEMENT REPORT AS AT 31 MARCH 2025


The Pillar 3 risk management report provides the quarterly view of Absa Group Limited (the Group) and Absa Bank Limited (the Bank) regulatory capital
and risk exposures. It complies with:
     •    The Basel Committee on Banking Supervision (BCBS) Pillar 3 disclosure requirements (Pillar 3 Standard).
     •    Regulation 43 of the Regulations relating to Banks (Regulations), issued in terms of the Banks Act, 1990 (Act No. 94 of 1990), where not
          superseded by the Pillar 3 disclosure requirements.


The Pillar 3 risk management report is available on the Absa Group website (https://www.absa.africa). The information in the report is unaudited.


The following table sets out the regulatory capital* and liquidity metrics as at 31 March 2025:
                                                                   Absa Group Limited                                     Absa Bank Limited
 Common equity tier 1 ratio                                                  11.7                                                11.7
 Leverage ratio                                                                7.4                                                5.8
 Liquidity coverage ratio (LCR)**                                           129.1                                               132.3
 Net stable funding ratio                                                   118.5                                               111.0


* Excludes unappropriated profits.
**The Group LCR reflects an aggregation of the Bank LCR and the Absa Regional Operations (ARO) LCR. For this purpose, a simple average of the
  relevant three month-end data points is used in ARO, noting that the ARO LCR is capped at 100% per the minimum regulatory requirements. For the
  Bank, the LCR was calculated as a simple average of 90 calendar-day LCR observations.



Johannesburg
30 May 2025


Enquiries:
Alan Hartdegen
E-mail: Alan.Hartdegen@absa.africa

Lead Independent Sponsor:
J.P. Morgan Equities South Africa Proprietary Limited

Joint Sponsor and Debt Sponsor:
Corporate and Investment Bank – a division of Absa Bank Limited

Date: 30-05-2025 11:00:00
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