Investor Presentaiton

Overview - Capital Elevated capital retained as a result of the CHL sale in FY22 Tier 2 Capital1 Sequential Movement 14.58% 15.08% 15.08% 14.99% 0.30% 0.30% 0.30% 14.57% 0.32% 0.29% Tier 1 Capital 14.25% 14.78% 14.28% 14.69% 14.78% (0.09%) (0.24%) 0.72% Leveraging CHL Proceeds Comparative Movement (0.67%) (0.12%) (0.23%) (0.49%) (0.03%) • Higher Broker deferred upfront commissions. . Higher Intangible Asset (software) balances Great Southern Bank 14.57% 0.64% (0.01%) 0.29% - (0.15%) Due to growth in balance sheet - (0.34%) Pre-Funding Initial TFF Allowance maturity in Q1 FY-24 14.28% Jun 22 Profit Project Presto (SME) Securitised Assets Jun 21 Jun 22 Jun 23 Dec 23 Home Loan Other Assets Capital Growth RWA RWA (PLs) Deductions & Other Investment Assets Other RWA Capital (incl. Op Reforms Risk) GRCL Jun 23 1. Tier 2 Capital is General Reserves for Credit Losses 21 Investor Presentation

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