Commercial Bank Investment and Financial Health Review

Strategic Intent 1 Maintain a minimum CET1 range of 11.0% to 11.5% 3 De-risk legacy assets, diversify the portfolio and proactively exit high risk names Further diversifying our loan book Costs broadly held flat until CB moves back into alignment with the market average 5 Focus on client experience as a key differentiator Deepen our digital leadership through end-to-end process automation 'One Team - One Bank' culture 8 Market leader for compliance and good governance 9 A region-wide 'Alliance of banks' with closer integration of risk protocols and business strategy for sustainable earnings 14 65 3

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