Investor Presentaiton

Home Lending Arrears Arrears increasing off recent lows and remain below industry averages Great Southern Bank Home loans arrears 30+ days and 90+ days arrears Arrears by product 90+ days arrears 0.68% 0.30% 0.31% 0.55% 0.28% 0.27% 0.48% 0.45% 0.43% 0.37% 0.27% 0.19% 0.29% 0.28% 0.22% 0.24% 0.14% 0.12% 0.21% 0.19% 0.13% 0.13% 0.08% 0.07% Jun 19 Dec 19 Jun 20 Dec 20 Jun 21 Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 Jun 19 Dec 19 Jun 20 Dec 20 Jun 21 Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 90+ days arrears 30+ days arrears Owner Occupied Investor Arrears by repayment type 90+ days arrears Arrears by state 90+ days arrears 0.70% 0.60% 0.50% 0.30% 0.29% 0.26% 0.40% 0.24% 0.21% 0.21% 0.30% 0.18% 0.20% 0.13% 0.11% 0.02% 0.00% 0.06% 0.10% 0.00% Jun 19 Dec 19 Jun 20 Dec 20 Jun 21 Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 Jun 19 Dec 19 Jun 20 Dec 20 Jun 21 Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 Interest Only -Principal & Interest WA VIC QLD NSW Other 31 Investor Presentation

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