Investor Presentaiton

Market dynamics Brexit-Uncertainty impacting capital markets in the UK altering deployment of capital in Europe Global economies at different phases of a recovery cycle £ Increasing move towards automation and digitisation Bank outsourcing increasing (post deleveraging) embracing new Fintech Digital solutions European GDP growth of 1.4% forecast for 2019 and 1.6% for 2020; general slowdown in Europe due to Global uncertainty 良 Developing regulatory landscape may provide opportunities Bank Balance Sheet Clean-up - The ECB has set target dates for banks to make full provision for bad debts; potential to stimulate further NPL sales 18 June 2019 Link Group Investor Presentation & Strategy Update 26

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