Investor Presentaiton

Strategy 2023 results Appendix We have retained strong cost discipline whilst investing in digitisation Managed costs whilst increasing tech spend 1H22 to 1H23 cost movements, % Global businesses Technology14 Global Functions / Other (0.4)% +3.3% Mobile active WPB customers crossed half of our client base Mobile active WPB customers 15, % +6ppts 45% 51% 1H22 1H23 Digitally active CMB customers more than 80% of our client base Digitally active CMB customers 16,% +12.8% Tech spend % of total Opex: 23% +6ppts 76% 82% Total costs on +1.4% +4.3% a target basis¹ +2.9% Severance costs: $201m Total costs excl. severance Severance costs 1H22 1H23 Improvement in product release frequency, and more to come Product release frequency per year 17, # 111 42% 158 1H22 1H23 8

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