Investor Presentaiton

Macquarie | Presentation to Investors and Analysts I macquarie.com Overview of Macquarie Operating Groups 3Q20 Update Outlook Appendix Banking and Financial Services A technology-driven Australian retail bank and wealth manager Net Profit Contribution 1 ($Am) BFS Deposits2 ($Ab) gggg 300 200 100 10 400 ggg 700 600 500 800 350 513 756 737 60.0 55.0 50.0 45.7 44.5 45.0 40.4 40.0 35.0 385 30.0 25.0 20.0 15.0 10.0 5.0 FY16 FY17 FY18 FY19 FY20 1H 2H O MACQUARIE 80.0 Australian loan and lease portfolio³ ($Ab) 72.2 57.7 70.0 53.4 Mar 16 Mar 17 Mar 18 Mar 19 Dec 19 62.5 60.0 56.6 51.5 52.1 50.0 40.0 30.0 20.0 10.0 Mar 16 Mar 17 Mar 18 Mar 19 Dec 19 ■Australian Mortgages Business Lending Other Vehicles 1. Net profit contribution is management accounting profit before unallocated corporate costs, profit share and income tax. During 2018, vehicle finance moved from Corporate and Asset Finance to BFS as a part of a reorganisation between Operating Groups. FY18 financial results were restated to reflect this change. 2. BFS deposits exclude any Corporate/Wholesale deposit balances. 3. The Australian loan and lease portfolio comprises residential mortgages, loans to Australian businesses, vehicle asset finance, and other includes insurance premium funding and credit cards. Vehicles asset finance moved from CAF Asset Finance to BFS effective 1 Dec 2018. 32

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