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Investor Presentaiton

29 Key business risks • Increased regulatory complexity and scrutiny Workplace injuries or conditions Inability to maintain skilled and experienced workforce . Lack of capital or liquidity • Credit defaults People Regulatory & Legal Financial & credit Inappropriate detection and prevention • of cyber security threats Systems are not fit for purpose Australian Unity Strategic • Over reliance on certain businesses or funding sources Operational Conduct Investment in property and social infrastructure . Inability to respond to change . Increased competition and . . poor and inconsistent member or customer experience Member or customer harm Occupancy levels in residential aged care Private Health Insurance risks Failure of strategic and/or business decisions or external events Information & Systems Inappropriate or illegal behaviour Health Wealth | Living
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