Investor Presentaiton

Overview of Macquarie Operating Groups 1Q24 Update Outlook Appendix Banking and Financial Services Growth in the loan portfolio and BFS deposits, together with improved margins, benefitting all channels, partially offset by higher expenses and credit impairments $Am 1,800 1,600 184 1,400 206 1,200 1,000 800 600 1,001 400 200 191 (56) (281) (44) 1,201 Key drivers ● Higher Personal Banking income driven by above system growth of 31% in average home loan volumes, albeit volumes slowing over the year Higher Business Banking income driven by 11% growth in average business lending volumes and 6% growth in average deposit volumes and improved margins from the rising interest rate environment. These were partly offset by lower income from car loans following the sale of the dealer finance business Higher Wealth income driven by 13% growth in average deposit volumes, improved margins due to the benefits from the rising rate environment and 3% growth in average funds on platform driven by client net flows Higher credit impairment charges due to deterioration in the macroeconomic outlook and release of COVID-19 overlays in the prior year Higher expenses due to increased technology investment, additional headcount to support business growth, and compliance and regulatory initiatives FY22 NPC Personal Banking Business 1 1 Wealth Banking Management 1 Credit & other impairments Expenses Other FY23 NPC 1. Includes brokerage, commission and fee expenses. O Macquarie Group Limited 55 55

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