FY21 Results

Balance sheet strength Strong deposit growth, RONTA ahead of FY21 targets CUSTOMER DEPOSITS CAPITAL ADEQUACY RATIO $2,108m $2,057m $2,933m $2,620m $2,373m STATUTORY RONTA 12.1% 14.58% 14.89% 9.9% 9.7% 13.79% 8.9% 9.1% 13.31% 12.95% JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 > 11.9% growth in deposits reflects strategic focus on cost effective funding lines > Capital remains strong at 13.31% > CET1 of 10.84% >75.7% of funding from deposits (FY20: 74.5%) JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 > Return on Net Tangible Assets of 12.1% up from 8.9% in June 17 > Ahead of strategic target of 10% INVESTOR PRESENTATION | FY21 Results - 27 August 2021 11

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