FY21 Results

FY22 outlook Continued loan book diversification as younger customers are attracted and diversify outside Queensland. FINANCIAL TARGETS FY19-22 3-year strategic objectives achieved in 18 months Cost to Income ratio of 60% Stable trend in NIM across FY21 Return on Net Tangible Assets of 10% ✓ Above system loan growth LOOKING FORWARD > Continue above system loan growth > Material growth in Private Bank > Digital and data initiatives to position for substantial 2023 growth trajectory. INVESTOR PRESENTATION | FY21 Results - 27 August 2021 34 34

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