Earnings Performance - Half year ended 30 June 2019

A strong and diverse retail business Market leading position in Retail Banking A meaningful contribution to CB, with high ROE Deeply embedded franchise in the community High quality & diversified income profile Robust Retail loan book Liquid Balance Sheet with high quality deposit base One of the largest franchises, matching the biggest banks in the country 15% of assets, 34% of deposits 42% of operating income, 30%+ ROE A trusted brand, with loyal customer base Well represented in key segments Over 80% of income from deposits and fees Providing stable & capital efficient earning streams 65% with tangible security 35% against salary Loan to Deposit Ratio 47% 53% low cost funds 23

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