AUL HY2023 Investor Presentation

Retail Australian Unity Real Wellbeing Adjusted EBITDA ($m) ■HY22 HY23 40.1 Retail 65.6 Segment Revenue ($m) HY22 HY23 355.6 372.9 • • • • Delivered a strong result for the half-year, with an adjusted EBITDA of $65.6m-63.6% higher than the PCP Overall revenue of $372.9m represented a 4.9% increase on the PCP driven by 2.0% increase in private health insurance revenue and 73.6% increase in banking revenue Total operating expenses were $307.3m-$8.2m or 2.6% lower than the PCP. This decrease reflected a $25.3m reduction in health insurance claims after allowing for the reduction in the deferred claims liability provision, an $8.9m increase in bank interest expense due to higher interest rates and a $8.2m increase in other operating expenses across the Retail platform Announced planned deferral of the 2023 premium increase for private health insurance (PHI) policyholders from 1 April 2023 to 1 November 2023 will bring the total value of support measures to some $85 million Adds to the package of pandemic support measures provided to policyholders to date, including premium relief for those experiencing hardship, a six-month deferral of the 2020 premium increase, ‘premium-free days' and a low, relative to the sector, 2021 premium increase. We have also implemented a range of ancillary product benefit improvements and expanded cover for COVID-19 related hospital admissions and a range of telehealth services Retail AUL HY2023 Investor presentation Figures at 31 December 2022, unless otherwise noted 22 22

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