Investor Presentaiton

Overview of Macquarie Operating Groups 1Q23 Update Outlook Home loan portfolio composition 2% 100% 2% 1% 4% 3% Z0% 3% 90% 23% 20% 80% 29% 70% 16% 19% 60% 50% 24% 24% 25% 40% 30% 20% 40% 35% 30% 10% 0% Jun-22 (Settlement Flow) Jun-22 (Portfolio Origination LVR) Jun-22 (Portfolio Current LVR) <=60% >60 <=70% >70 <=80& 80% >80% <= 90% ■>90% Note: Current LVR is calculated based on the current balance of loans against their initial appraisal amount. A% 80% Principal and interest 72% Owner occupied 20% Interest only SA 96.9 billion¹ Total Home Loans under management 28% Investor 1. As at 30 Jun 22. 2. As at 30 Jun 22 and weighted by size of loan. Average LVR at Origination 64%, based on accounts still on books and weighted by size of loan. Note: figures are based on overall portfolio of home loans originated by MBL. O Macquarie Group Limited WA 5.4% NT 0.2% Appendix QLD 18.3% NSW 40.2% ACT 2.6% SA 2.4% VIC TAS 0.7% 30.2% $A620k Average loan size 50% Average dynamic LVR² 27.1 Months seasoning

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