AUL FY2023 Investor Presentation

FY2023 segment earnings Adjusted EBITDA12 ($m) Australian Unity Real Wellbeing 140.0 120.0 100.0 80.0 60.0 45.4 40.0 33.1 20.0 94.9 0.0 Home Health Retail 130.6 FY2022 ■FY2023 65.6 56.9 38.7 15.5 Specialist Care Wealth & Capital Markets 1 Adjusted EBITDA: the measure the Group uses in assessing the operating performance of its business segments. This measurement basis excludes the effects of tax, depreciation and amortisation, interest expense and investment income. It also excludes material non-recurring expenditure and shared services costs. 2 In FY2022, adjusted EBITDA of Specialist Care included a $19.1m gain related to a business combination uplift arising from the acquisition of Greengate Partnership Pty Ltd. Also, adjusted EBITDA of Wealth & Capital Markets for FY2022 included a revaluation gain of $20.3m arising from a business combination revaluation AUL FY2023 Investor presentation 17

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