Investor Presentaiton

Growth and returns Strategy 4022 results Appendix We are focused on driving value creation and delivering sustainable growth Next phase of strategy execution will focus on our strengths... ...while continuing to deliver on improved performance and higher returns Higher growth and returns Build on our areas of strength, leveraging our international connectivity and geographical diversification spanning every region ◆ Continue to drive our transaction banking, wealth and digital platforms in order to grow fee income Retain strong cost discipline while driving investment in technology to increase productivity and growth 12%+ ROTE guidance from FY23 onwards Substantial distribution capacity: Establishing a 50% dividend payout ratio for FY23 and FY2453 Returning to quarterly dividends from 1023 ◆ Consideration of buybacks brought forward to 1023 Incremental special dividend of $0.21 per share in FY24, subject to completion of our Canada transaction and necessary approvals* * Any remaining additional surplus capital is expected to be allocated towards opportunities for organic growth and investment alongside share buybacks, which would be in addition to any existing share buyback programme 19

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