Investor Presentaiton

Overview of Macquarie Operating Groups 1Q23 Update Outlook Appendix Costs of compliance Total compliance spend¹ $A785m in FY22, up 22% on FY21 Regulatory project spend IBOR Reforms Brexit OTC Reforms FY22 $Am FY21 $Am 13 18 1 16 5 6 Access Management 10 4 Capital and Liquidity Projects 13 12 CGM Transaction Reporting & Data related Projects 14 12 22 The industry continues to see an increase in regulatory initiatives, resulting in increased compliance requirements across all levels of the organisation Direct cost of compliance is approx. $A785m in FY22 (excluding indirect costs), up 22% on FY21 Regulatory project spends increased 31% from FY21 as a result of number of Technology projects and includes Regulatory Remediation Plan for the first time Business as usual (BAU) spend increased 17% from FY21 driven by regulatory projects being completed and moved to BAU functions, increased global regulations and continued focus of management on a range of compliance activities Enterprise Data Management 35 20 Regulatory Remediation Plan 42 0 Other Regulatory Projects 126 108 $Am Total 259 197 800 FY22 FY21 +14% CAGR Business as usual compliance spend $Am $Am 700 600 785 646 545 National Consumer Credit Protection (NCCP) 7 7 496 Business Resilience 7 8 500 435 404 Privacy & Data Management 16 15 400 Regulator Levies 20 18 300 Regulatory Capital Management 40 30 200 Tax compliance and reporting 45 45 Financial & Regulatory reporting and compliance 113 93 100 Risk oversight 191 160 0 Other regulatory compliance activities 87 72 FY17 FY18 FY19 FY20 FY21 FY22 526 449 Total Total compliance spend 785 646 BAU compliance spend Regulatory project spend 1. Excluding indirect costs. O Macquarie Group Limited 85 63

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