BNP PARIBAS PERSONAL FINANCE SOUTH AFRICA LIMITED - BNP Paribas Personal Finance South Africa Limited - Financial Covenant Test Results

BNP Paribas Personal Finance South Africa Limited - Financial Covenant Test Results

BNP Paribas Personal Finance South Africa Limited
(Incorporated in the Republic of South Africa)
(Registration number 2000/017884/06)
Bond company code: RCSI
(the "Issuer")


BNP PARIBAS PERSONAL FINANCE SOUTH AFRICA LIMITED IN CONNECTION WITH THE BNP PARIBAS
PERSONAL FINANCE SOUTH AFRICA LIMITED ZAR10,000,000,000 DOMESTIC MEDIUM TERM NOTE
PROGRAMME - FINANCIAL COVENANT TEST

Capitalised terms used in this certificate shall bear the same meanings as those used in the Terms and Conditions of
the ZAR10,000,000,000 Domestic Medium Term Note Programme (the "RCS Programme") of BNP Paribas Personal
Finance South Africa Limited signed on 21 November 2024
This Financial Covenant test is prepared in accordance with Condition 11.7 of the RCS Programme.

The Issuer is required to have an Asset Cover Ratio as at the Measurement Date which is not less than
1.24 times (one point two four times).

The Issuer confirms that, as at the Measurement Date of 30 June 2026, the information below is
accurate:

 Financial Covenant                                       Level as at Measurement Date           Compliance
                                Not less than 1.24
 Asset Cover Ratio                                                    1.36 times                 Yes
                                times

The Asset Cover Ratio is 1.36 times as at 30 June 2026 and therefore the Issuer is in compliance with the
Financial Covenant – more detailed information on this calculation can be found in the RCS Group
Financial Dashboard https://rcs.co.za/about/investor-relations/under Investor Relations.

For and on behalf of
BNP PARIBAS PERSONAL FINANCE SOUTH AFRICA LIMITED

03 August 2026
Debt Sponsor
The Standard Bank of South Africa Limited

The BNP Paribas group, through its wholly owned subsidiary BNP Paribas Personal Finance, acquired
100% of BNP Paribas Personal Finance South Africa Limited (formerly, RCS Investment Holdings Limited)
in August 2014.

BNPP PF South Africa is a consumer finance business predominantly based in South Africa.

Date: 03-08-2026 03:58:00
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