FY21 Results

Track record of delivering profitable growth Above system loan book growth, NIM expansion and careful cost management STATUTORY NPAT $24.2m NET INTEREST REVENUE $17.9m $18.5m $17.2m $15.1m $78.2m $70.5m $63.2m $61.0m $57.5m NET INTEREST MARGIN 1.93% 1.90% 2.00% 1.97% 1.87% JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 LOAN BOOK STATUTORY EARNINGS PER SHARE (CPS) COST TO INCOME RATIO $3,593m 56.7 66.0% $3,266m $3,131m $2,945m $2,788m 42.8 43.8 40.8 37.3 64.5% 63.5% 62.5% 60.1% JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 JUN 17 JUN 18 JUN 19 JUN 20 JUN 21 INVESTOR PRESENTATION | FY21 Results - 27 August 2021 10

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