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Investor Presentaiton

Macquarie | Presentation to Investors and Analysts I macquarie.com Banking and Financial Services A technology-driven Australian retail bank and wealth manager O MACQUARIE FY19 Net profit contribution* $A756 million ▲3% Personal banking Credit cards Home loans Bank accounts Wealth management Investments Financial advice Wrap on FY18 Business banking Property services Professional services Award winning digital banking offering 1 Australia's 1st open banking platform gives customers control over their data A leading Australian vehicle financier 475,000+ vehicles $A57.7 billion total BFS deposits² Australian loan and lease portfolio of $A72.2 billion² 30+ years bringing innovation and competition to Australian consumers Rebuilt our tech stack and are the first to offer lending and retail deposits on one core banking system 12%* More than 1.5 million Australian clients * Based on FY19 net profit contribution from operating groups as reported on 1 Nov 19 and been restated for business reorganisations affecting Macquarie Asset Management, Corporate and Asset Finance, Commodities and Global Markets and Macquarie Capital that have occurred since 3 May 19. 1. Winner in the 2019 Mozo Experts Choice Awards for Internet Banking and Exceptional Everyday Account / Winner in the 2018 Mozo Experts Choice Awards in the Travel Money/International Money Transfer category / Best Digital Banking Offering & Most Innovative Card Offering at 2017 Australian Retail Banking awards. 2. At 31 December 2019. BFS deposits exclude corporate/wholesale deposits. 31
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