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Macquarie FY20 result announcement I macquarie.com Introduction Overview of Result Result Analysis and Financial Management. Outlook Appendices O Banking and Financial Services MACQUARIE Increase in Personal Banking income and lower expenses partially offset by Credit impairment charges and margin compression on deposits 950 $Am 900 850 148 800 750 700 756 650 (30) (33) (79) 13 (34) 29 29 770 KEY DRIVERS Higher Personal Banking income driven by 20% growth in average home loan volumes ⚫ Lower Business Banking income driven by margin compression on Business deposits, partially offset by 14% growth in average business banking loan volumes and a 2% growth in average business deposit volumes ⚫ Lower Wealth Management income as the wealth advice business realigned to focus on the high net worth segment, and margin compression partially offset by 10% average platform volume growth Increased specific provisions in Business banking and Vehicle finance together with increased credit impairment charges on the performing portfolios related to a deterioration in current and expected macroeconomic conditions as a result of COVID-19 Higher Technology and Regulatory expenses driven by investment to support business growth and to meet regulatory requirements Lower Expenses and Other due to lower headcount in Wealth Management as the wealth advice business realigned to focus on the high net-worth segment and the net impact of sale of investment in MPF 600 FY19 Personal NPC Banking income Business Banking income Wealth Credit Other Management impairments impairments income Technology & Expenses & Regulatory other FY20 NPC 35

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