Presentation to investors and analysts - Result announcement for the full year ended

This Partially offset by: Net interest and trading income 4,662 4,245 8,907 10,601 was partially offset by timing of income recognition on Gas and Power transport and storage • higher net interest and trading income from the private credit portfolio and the non-recurrence of mark-to-market losses on certain debt contracts, in CGM underwriting positions, in Macquarie Capital Fee and commission inco. [...] Includes gains and losses higher expenditure on technology platforms, from sale and revaluation of equity, debt and other investments, net interest and trading income (which represents the interest earned from debt investments and the funding costs associated with Macquarie Capital’s balance sheet positions), share of net losses from associates and joint ventures, credit and other impairment rever. [...] © Macquarie Group Limited 52 Introduction Overview of Result Result Analysis and Financial Management Outlook Appendices Banking and Financial Services Result FY24 FY23 • Net interest and trading income of $A2,645m, up 5% on FY23– 11% growth in the average loan portfolio and 14% growth in average BFS $Am $Am deposit volumes5 and the full year benefit of the rising interest rate environment 1 – Par. [...] © Macquarie Group Limited 53 Introduction Overview of Result Result Analysis and Financial Management Outlook Appendices Commodities and Global Markets Result FY24 FY23 • Commodities income of $A3,516m, down 43% on FY23 and up 6% on FY22; – Risk management down 28% primarily in EMEA Gas and Power, and Resources due to decreased $Am $Am client hedging as volatility and price movements stabilised ac. [...] The Non-Bank Group comprises MAM, Macquarie Capital and certain assets of the Financial Markets business, certain activities of the Commodity Markets and Finance business and some other less financially significant activities of CGM.