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

BNP Paribas Personal Finance South Africa Limited - Financial Covenant Test

BNP Paribas Personal Finance South Africa Limited
(Incorporated in the Republic of South Africa)
(Registration number 2000/017884/06)
Bond company code:
(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 31 December 2024, the below information is
accurate:

 Financial Covenant                                       Level as at Measurement Date           Compliance
                                Not less than 1.24
 Asset Cover Ratio                                                    1.38 times                 Yes
                                times

The Asset Cover Ratio is 1.38 times as at 31 December 2024 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 on our website under Investor Relations.

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

21 February 2025
Debt sponsor
The Standard Bank of South Africa Limited

BNP Paribas, with a presence in 63 countries and territories and employing 183,000 people, is the
leading bank in the European Union by balance sheet assets.

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

BNP Paribas Personal Finance South Africa continues to be a leading player in the consumer finance
sector in South Africa, building on over two decades of success and innovation.

Date: 21-02-2025 04:50:00
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