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2Q 2023 Investor Presentation

We are building the "Bank of the Future" | Strategy 2021 - 2023 Bank Build on our core OF Outperform our competition Grow Retail including Private Sector Customer Experience The Transform technology Digital Core Banking Platform Future Focus on new client needs Become Leading Finance Company Expand Corporate Preferred Employer Data Leader for Customer Insights Develop Best Payments Solution Bank of Choice for SMEs Market Share Modernize our technology 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 2Q 2023 Investor Presentation 15 8

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