Investor Presentaiton

Summary Strategy 4Q22 results Appendix 1 4022 revenue up $4.3bn (38%), PBT up $3.3bn (92%) vs. 4Q21; FY22 revenue up $8.3bn and PBT up $3.4bn vs. FY21 2 FY22 ECL charge $3.6bn. Expect a charge of around 40bps of loans in FY2355 Continued cost control. FY22 costs were up 1% vs. 3 FY21, despite the inflationary environment. Targeting 3% adjusted cost growth in FY2357 4 Strong capital and liquidity; CET1 ratio of 14.2% 12%+ ROTE from FY23 Substantial distribution capacity: ♦ $0.32 FY22 dividend per share Establishing a 50% payout ratio for FY23 and FY2453 ◆ Returning to quarterly dividends from 1023 Consideration of buybacks brought forward to 1Q23 ♦ Incremental special dividend of $0.21 per share in FY24, subject to completion of our Canada transaction and necessary approvals* * Any remaining additional surplus capital is expected to be allocated towards opportunities for organic growth and investment alongside share buybacks, which would be in addition to any existing share buyback programme 29

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