FY21 Results

Consolidated NPAT reconciliation Strong NPAT growth $000's FY20 Statutory NPAT $18,504 Net interest revenue $7,647 Non interest Employee benefits income expense Bad and doubtful debts $403 ($903) expense Impairment to MIS investments $3,294 Fees and commissions ($1,424) Occupancy, amortisation and general expenses ($812) Income tax expense ($2,554) FY21 Statutory NPAT $24,155 > Consolidated NPAT of $24.155m, up 30.5% on FY20 despite competitive lending environment > Net interest revenue growth of 10.8% reflects loan book growth and 3bps expansion in NIM > Disciplined approach to cost management with cost to income ratio of 60.1% (FY20: 62.5%) INVESTOR PRESENTATION | FY21 Results - 27 August 2021 14

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