Investor Presentaiton

Overview - Financial Results¹ Key Outcomes Summary Financial FY23 pcp(FY22) Balance sheet FY23 pcp (FY22) Bank Statutory NPAT² $44.6m (68.2%) Capital - CET1 14.28% (50bps) Bank Cash NPAT3 $51.0m Large Capital - Total 14.57% (50bps) Bank Net Interest Income $348.6m 19.9% Group Total assets5 $19.39bn 8.5% Bank Other Income $1.6m Large Group Total liabilities $18.07bn 9.1% Bank Net Operating income $347.4m 9.5% Deposit funding 73% (1.0%) Bank Operating expenses4 $277.3m (0.7%) LT wholesale funding WAT(Remaining)6 1.6 0 Bank Cost to income 79.80% (7.0%) MLH Ratio7 15.28% 1.08% NIM 1.94% 22bps S&P BBB Moody's Baa1 1. All movements on prior comparable period unless otherwise stated. 2. PCP Includes discontinued operations. 3. Bank Cash NPAT - Impact of CUA Health Limited ("CHL") Sale and Dividends - Costs of SME Bank 4. FY23 Includes $9m project investment in SME Bank 5. Total assets excludes internal securitisation. 6. Includes senior debt and TFF. 7. Minimum liquidity holding (MLH) ratio Great Southern Bank 16 Investor Presentation

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