NEDBANK GROUP LIMITED - Pillar 3 Risk and Capital Management Report for the Quarter ended 30 September 2025

Pillar 3 Risk and Capital Management Report for the Quarter ended 30 September 2025

Nedbank Group Limited                                  Nedbank Limited
(Incorporated in the Republic of South Africa)         (Incorporated in the Republic of South Africa)
Registration number: 1966/010630/06                    Registration No. 1951/000009/06
JSE share code: NED                                    JSE alpha code: BINBK
NSX share code: NBK
A2X share code: NED
ISIN: ZAE000004875
JSE alpha code: NEDI
('Nedbank Group' or 'the group')


PILLAR 3 RISK AND CAPITAL MANAGEMENT REPORT FOR THE QUARTER ENDED 30 SEPTEMBER 2025


Shareholders and noteholders are advised that Nedbank Group and Nedbank Limited have released
their Pillar 3 Risk and Capital Management Report for the quarter ended 30 September 2025. This report
is available on the group's website:
https://group.nedbank.co.za/explore-investor-relations/results-and-reports.html

At 30 September 2025, Nedbank Group reported a CET1 capital adequacy ratio, including
unappropriated profits of 12.9% (June 2025: 13.1%, September 2024: 12.8%) well above the top end of
the board-approved target range of 11.0% to 12.0%, a Liquidity Coverage Ratio of 128.2% (June 2025:
126.8%, September 2024: 129.0) and a Net Stable Funding Ratio of 115.1% (June 2025: 118.0%,
September 2024: 117.3).

The disclosures have not been audited nor reviewed by the group's joint external auditors.

Sandton
28 November 2025

Sponsor to Nedbank Group in South Africa:
Nedbank Corporate and investment Banking, a division of Nedbank Limited

Sponsor to Nedbank Group in Namibia:
Old Mutual Investment Services (Namibia) (Pty) Ltd

Date: 28-11-2025 08:00:00
Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). 
The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of
 the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, 
indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on,
 information disseminated through SENS.