Investor Presentaiton

Results FY20: A strong base to deliver future growth FY20 highlights FY20 & 4020 results 1 2 Continued support for customers and communities through Covid-19 restrictions >$52bn of wholesale lending support through government schemes and moratoria, with >$26bn of additional relief granted to personal customers¹ Profits down, strong balance sheet FY20 reported PBT of $8.8bn, down $4.6bn (34%) vs. FY19; adjusted PBT of $12.1bn down $10.0bn (45%), driven by higher ECL charges and lower revenue Strong funding, liquidity and capital; CET1 ratio² of 15.9% 3 DPS of $0.15, to be paid in cash, with no scrip alternative, and policy designed to provide sustainable dividends going forward; transitioning towards a payout ratio of 40-55%³ from 2022 A reconciliation of reported results to adjusted results can be found on slide 55, the remainder of the presentation unless otherwise stated, is presented on an adjusted basis 3

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