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FY20/21 Investor Presentation

We are building the "Bank of the Future" | Strategy 2021 - 2023 Bank Build on our core Grow Retail including Private Sector OF Outperform our competition Customer Experience The Transform technology Digital Core Banking Platform Future Focus on new client needs Become Leading Finance Company Expand Corporate Data Leader for Customer Insights Preferred Employer Bank of Choice for SMEs Market Share Modernize our technology Develop Best Payments Solution Grow Private Bank Grow Demand Deposits Preferred Loyalty Program Leverage our Infrastructure Expand customer reach Improve Revenue Mix Leader in Financial Conduct Adopt Agile Delivery Deepen Relationships via X-Sell FY20 21 Investor Presentation 21 8

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