Investor Presentaiton

Overview of Macquarie Operating Groups 1Q23 Update Outlook Appendix Banking and Financial Services Strong home loan and deposit growth; net credit impairment releases, partially offset by increased technology investment and higher headcount to support business growth and regulatory requirements 1,200 $Am 137 81 26 206 1,000 800 600 400 771 200 (189) (31) 1,001 Key drivers Higher Personal Banking income driven by 27% growth in average home loans volumes Higher Business Banking income driven by 20% growth in average business lending volumes and 21% growth in average business deposit volumes, partially offset by 20% lower average car loan volumes and lower business lending margins Higher Wealth income driven by 24% growth in average Platform FUA and 14% growth in average CMA volumes Decrease in credit and other impairment charges driven by partial release of COVID-19 overlays. Credit provisioning levels remain prudent with the combined downside macroeconomic scenarios having a higher weighting than the upside scenario Higher costs due to increased technology investment and higher average headcount to support business growth and to meet regulatory requirements Other includes equity investment related income and the bank levy FY21 NPC Personal Banking¹ Business Wealth Banking¹ Management Credit & other impairments Expenses Other FY22 NPC 1. Includes brokerage, commission and fee expenses. O Macquarie Group Limited 56 56

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