Investor Presentaiton

Strong premium momentum retention continuing to increase Group GWP growth 0.4% -0.2% 7.4% 1.2% 0.3% 5.7% FY22 Reported COVID-19 impact GWP growth IAL personal lines Lower ESL FX FY22 Underlying GWP growth 10 FY22 Results 12 August 2022 B Q Strong rate rises to counter inflation, perils allowance, reinsurance costs & underperforming lines >1% volume growth across direct short tail personal lines in Australia Adjusting for COVID-19, ESL and IAL exit, underlying GWP growth of 7.4% iag

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