Investor Presentaiton

SOLID PROGRESS MADE ON OUR TECHNOLOGY TRANSFORMATION KEY AREAS OF FOCUS Leverage the Cloud, Microservices and APIs • 3 YEAR ACHIEVEMENTS¹ Built >120 microservices and >1,600 APIs – increasing efficiency of new feature delivery • 45% of total apps running on the cloud - with no downtime from infrastructure issues • Reduced the number of applications by 7%, reducing complexity Simplify legacy technology • • • • Simplified and modernised workplace technology for colleagues 87% reduction in High and Critical rated incidents² Delivered data use cases covering at-risk potential lending to customers, payroll fraud, fraud analysis, call centre volumes, financial crime, among others 40x increase in data protection efficacy by implementing preventative tools³ Kept losses broadly stable despite significant surge in attempted fraud Achieved a 12% increase in NIST4 score Embracing Data & Analytics • World class cyber security Culture of high speed delivery • Significant reduction in average time to deliver change • Generated 11% improvement in developer productivity5 • Insourcing of major contracts mostly completed, or winding down • Tech and Ops insourced component of workforce now 68% from 30% 1 Insourcing key technology functions & uplifting skills >2,200 industry recognised cloud certifications (#5 of all non-cloud companies globally) Investment in technology has generated clear benefits and underpins cost & revenue momentum going forward 50 50 Cost reduction NPS6 increase Improved resilience Faster time to market Safe growth Uplifting colleague skills (1) Using 2018 as baseline (2) Incidents include NAB and BNZ (3) Representing 40x reduction in actual losses from data breaches since 2018 (4) The NIST Cybersecurity Framework provides cyber security guidance for how organisations can assess and improve their ability to prevent, detect, and respond to cyber attacks. (5) Based on number of features delivered per engineering FTE since October 2018 (6) Net PromoterⓇ and NPS® are registered trademarks and Net Promoter Score and Net Promoter System are trademarks of Bain & Company, Satmetrix Systems and Fred Reichheld National Australia Bank

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