Investor Presentaiton

Guidance summary NII Lending FY22 Strategy 4Q22 results Appendix Guidance $32.6bn FY23 NII $36bn 54; intend to update target for IFRS 17 at or before 1023 +1%55 Cautious outlook on loan growth in the short term; expect mid-single digit percentage annual loan growth in the medium to long term Costs $30.5bn ECL 35bps of average gross loans & advances 55 ROTE 9.9% Asia as a % of Group TE⁹ 47% CET1 14.2% Capital and Dividends 44% payout ratio distributions Buybacks N/A Approximately 3% adjusted cost growth in FY2357, including up to $300m severance costs FY23 ECL charge of around 40bps 55, increase of 4-5bps due to HFS assets; through-the-cycle planning range of 30-40bps Targeting 12%+ from FY23 c.50% medium to long term 59 Manage in 14-14.5% target range in the medium term; aim to manage range down further longer term Establishing a dividend payout ratio of 50% for 2023 and 202453; intend to reinstate quarterly dividends from 1023 Consideration of buybacks brought forward to 1023 Increasing fee-based revenue and growing our WPB franchise remain important priorities for the Group. However, given the changes to the macroeconomic environment, together with the implementation of IFRS 17, 'insurance and fees as a % of Group adjusted revenue' and 'WPB as a % of Group tangible equity' are no longer appropriate to measure our progress in these areas 28

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