AUL FY2023 Investor Presentation

Retail Australian Unity Real Wellbeing Adjusted EBITDA ($m) ■FY2022 94.9 ■FY2023 Retail 130.6 Segment Revenue ($m) ■FY2022 FY2023 Brings together private health insurance and the banking businesses and seeks to provide packages and solutions that contribute to solving affordability challenges and meet the contemporary needs of Australians Delivered a strong result for the year, with an adjusted EBITDA of $130.6m-37.6% higher than the PCP Revenue of $746.0m represented a 4.2% increase on the PCP Total operating expenses were $615.4m-$5.7m or 0.9% lower than the PCP. This decrease reflected a $45.0m reduction in health insurance claims net of risk equalisation, $22.1m increase in banking interest expense, which was related to the increase in interest rates, and a $17.2m increase in other operating expenses across the Retail platform 746.0 716.1 Retail AUL FY2023 Investor presentation Figures at 30 June 2023, unless otherwise noted 27

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