Investor Presentaiton

MyState Sub Debt Issue | Investor Presentation 22 Limited Quality, low risk loan book. Emphasis on maintaining quality lending growth amidst strong competition Loan book growth eased in the half; offset by increases in NIM Home loan book - applications and settlements ($b) 1H 2H 2.50 2.00 Applications Settlements Lending momentum has returned with strong application flows towards the end of 2019. 1.50 1.00 0.98 0.76 1.00 0.71 Approved as a provider of the National First Home Loans Deposit Scheme 0.55 0.65 0.50 1.05 0.98 0.92 0.81 0.55 0.64 0.65 0.46 FY17 FY18 FY19 FY20 NT 0.1% Total book composition' ($m) +1% QLD 16.8% 4,269 4,550 4,739 5,038 5,088 WA 63 55 54 51 47 1.6% SA 63 72 68 69 70 0.8% 66 64 66 65 67 NSW 21.6% 4,076 4,358 4,551 4,852 4,904 Concentration VIC TAS 17.2% 40.9% Low High FY17 1. Excludes capitalised origination costs FY18 1H19 2H19 1H20 Housing Loans Personal Loans Business / Agri / Commercial Overdrafts

View entire presentation