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Consistent NIMS Yields/Cost of Borrowings (%) 17.40% 17.30% 17.20% 17.03% 16.95% 17.15% 17.11% 17.08% 17.03% 16.99% 16.95% 9.80% 9.50% 9.80% 9.70% 8.43% 9.22% 8.93% 8.43% 7.86% 7.96% 7.86% FY 18 FY 19 FY 20 FY 21 H1 FY 22 JUN 20 SEP 20 DEC 20 MAR 21 JUN 21 SEP 21 NIM (%) 7.90% 7.50% 7.40% 9.09% 8.60% 9.03% 9.09% 8.60% 8.15% 7.89% 7.45% FY 18 FY 19 FY 20 FY 21 H1 FY 22 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 16 APTUS™

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