FY22 Investor Presentation

Investor participation Investor participation at 34.5% of lending has recovered to be in line with the decade average of new lending volume. Portion of new lending for investment housing (excluding refinance)^ 50% 45% 40% 35% NSW is the state with the highest investor participation with 38.7% of lending to investors. 30% 25% Investors as a % of housing finance commitments by state (May '22)^ ACT TAS 32.8% 32.6% 27.1% WA SA ဟ် 34.8% 34.5% QLD 30.8% 34.0% VIC 31.5% NSW 38.7% 20% National MAY MAY MAY MAY MAY MAY MAY MAY MAY 06 08 10 12 14 16 18 20 22 CoreLogic Source: CoreLogic, * ATO 34.5% 3.25m # of Investment Properties across Australia* FY22 Investor Presentation 19

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