PPS 2023 INTEGRATED REPORT

10. 10.2 2023 R'm Estimates of present value of future cash flows PPS ProfitShare accounts Risk adjustment for nonfinancial risk Estimates of present value of future cash flows Risk adjustment for nonfinancial risk Contracts under fair value transition approach Other contracts Total Movements related to the PPS Profit-Share Account Cessation benefits: PSA 2 114 (2 114) – – – – – – Early access charges – (27) – – – – – (27) Year end allocations 45 4 532 – – – – – 4 577 2 159 2 391 – – – – – 4 550 Transfers (169) (18) (187) Changes that adjust the CSM through the statement of financial position – – – (3 259) (211) 3 434 36 – Changes that adjust the Risk adjustment through the statement of financial position – – – 80 (80) – – – Other movements (332) – – 516 – – – 184 Cash flows Premiums received 5 854 – – 320 – – – 6 174 Claims and other directly attributable expenses (3 464) – – (848) – – – (4 312) Cessation benefits: PSA (1 948) – – – – – – (1 948) Insurance acquisition cash flows (709) – – (13) – – – (722) Total cash flows (267) – – (541) – – – (808) Insurance contract liabilities at 31 December 1 512 34 685 4 878 (5 406) 459 6 455 380 42 962 Life Risk: Participating Life Risk: Non-Participating CSM PPS Profit-Share accounts and Long-term insurance contract liabilities Reconciliation of measurement components of insurance contract liabilities (continued) NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) for the year ended 31 December 2023 159 Notes to the Consolidated Financial Statements

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