Investor Presentaiton

Outlook Revenue growth through: . • · Bank balance sheet growth Focused margin management FUM growth via mainland distribution MyState Sub Debt Issue | Investor Presentation 16 Limited Robotics technology now in use with more to come reducing operating costs. Re-engineering cost base, improving productivity and reinvesting in growth. Increased marketing spend to increase number of customers. Enhanced customer facing digital proposition. Further fund product rationalisation. Further investment in mortgage fund lending systems. Investing in trust management system. Growth of a highly scalable banking and funds management business

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