2021 VONB Performance and Strategic Highlights

Optimise Shareholder Returns Strong, Resilient Balance Sheet Profitable Organic Growth Prudent, Sustainable and Progressive Dividend Disciplined Inorganic Growth ■ Return $10.0b to shareholders: - Executed via on-market share buy-back over 3 years AIP Return Excess Capital to Shareholders - - Represents free surplus accumulated over time from strong cash flow generation Expected to be ROE and EPS accretive Periodically review Group's ongoing capital needs Superior Profitable Growth Free Surplus Generation Cash Returns for Shareholders 34

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