Investor Presentaiton

Transformation journey Our transformation journey: Six components International connectivity Grown and protected our market leading position in international connectivity Portfolio repositioning Strategy 4022 results Appendix Whilst repositioning unprofitable and non-strategic portfolios, particularly in US and Europe Broad base of profit generation ◆ Which has resulted in an internationally connected client proposition underpinned by a broad base of geographically diverse profit generation Cost Supported by strong cost discipline, evidenced by an improving cost efficiency ratio discipline Dividend policy Supported by a sustainable dividend policy with strong capital and liquidity Platform for growth Resulting in a strong platform for growth and returns ◆ Upon which we will build new value creation opportunities St 4

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