ABSA GROUP LIMITED - PILLAR 3 RISK MANAGEMENT REPORT AS AT 30 SEPTEMBER 2025

PILLAR 3 RISK MANAGEMENT REPORT AS AT 30 SEPTEMBER 2025

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




PILLAR 3 RISK MANAGEMENT REPORT AS AT 30 SEPTEMBER 2025


The Pillar 3 risk management report provides the quarterly view of Absa Group Limited regulatory capital and risk exposures. It complies with directive
D10/2025 on 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 30 September 2025:
                                                                  Absa Group Limited
 Common equity tier 1 ratio                                                  11.6
 Leverage ratio                                                               7.3
 Liquidity coverage ratio (LCR)**                                           127.1
 Net stable funding ratio                                                   116.4


* Excludes unappropriated profits.
**The Group LCR reflects an aggregation of the Absa Bank Limited 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.



Johannesburg
28 November 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: 28-11-2025 10:16:00
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