Earnings Performance - Half year ended 30 June 2019

Strategic intent 1 Maintain a minimum CET1 range of 11.0% to 11.5% 2 De-risk legacy assets, diversify the portfolio and proactively exit high risk names 3 Reshape and diversify our loan book 4 Costs broadly held flat until CB moves back into alignment with the market average 5 Focus on client experience as a key differentiator 6 Deepen our digital leadership through end-to-end process automation 7 8 9 'One Team - One Bank' culture Market leader for compliance and good governance A region-wide 'Alliance of banks' with closer integration of risk protocols and business strategy for sustainable earnings 16

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