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Investor Presentaiton

STRATEGY & TRANSFORMATION Transformation targets and results thus far Target by FY17 $2 billion gross benefits 5,000 FTEs $500-600 million of $2 billion Result over 18 months to end FY15 target of $875 million¹ 2,200 Will exceed 4,000³ (~$350m)³ 1,800 5,000 ($500m+) benefits 1,000 by FY15 Exited Actioned² FY15 FTE reduction FY16-FY17 reduction FY17 FTE reduction FY14 FY15 target TRANSFORMATION EMBEDDED IN BUSINESS, WITH FURTHER BENEFITS POST FY17 1. Made up of $200m benefits realised in FY14 and target of $675m for FY15. 2. 1,400 FTEs have exited and remaining 400 FTEs have been actioned. 3. By June 2015. Consists of 1,500 Non- operational FTEs and 2,500 Operational FTEs. 4. Achieved by June 2015 (further benefits from the 4,000 will track into FY16). 58
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