Investor Presentaiton

Opex and ROA 4.10% 3.80% 3.40% 2.70% 2.74% Opex (%) 2.92% 2.85% 2.77% 2.70% 2.78% 2.74% FY 18 FY 19 FY 20 FY 21 H1 FY 22 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 ROA (%) 7.43% 7.43% 7.30% 7.01% 6.20% 6.10% 7.30% 7.30% 7.30% 7.22% 6.87% FY 18 FY 19 FY 20 FY 21 H1 FY 22 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 17 APTUS™

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