Investor Presentaiton

Collective Provisions and Scenario Outcomes Overlays maintained for FY23 given economic uncertainty with more weighting given to the probability of severe economic downside. Great Southern Bank Jun 22 50% Jun 23 55% Dec 23 50% Base Case Downside • . . • Base Scenario Weighting 5% 40% 5% Collective Provision Movement 2.2 34.1 30% 15% (2.3) 2.5 32.1 (0.2) 0.1 30.6 29.5 8.1 (6.9) 10% 35% 5% Upside Downside □ Severe Downside Inflation returns to target within the RBA's projected timeframe Economy continues to grow over forecast period Unemployment increases are modest Growth in house prices are maintained at modest levels • Economy falls into 'technical recession' • Unemployment rates increase beyond a neutral unemployment level House prices return to negative growth rates Larger reductions in customer spending which brings forward monetary policy easing, avoiding deep recession -3.6% Jun 21 Covid · Remote and other more severe events Severe • Inflation may remain above RBA's target band which limits RBA's ability to ease monetary policy Macro & Credit Model Provision Overlays Mvmt Jun 22 • Upside Economic indicators modestly more favorable than expected in base scenario +8.8% Macro & Model Overlays Credit Provision Mvmt Jun 23 +6.2% Macro & Model Overlays Credit Provision Mvmt Dec 23 24 / Investor Presentation

View entire presentation