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Investor Presentaiton

MyState Sub Debt Issue | Investor Presentation 38 Limited Funding mix Funding mix enhanced by lower cost at call customer deposits Programmatic RMBS issuance continues to be well supported by broad investor- base Retail funding costs continuing to fall off the back of lower wholesale funding rates Bonus Saver account awarded 5 stars by Canstar and winner of Mozo Experts Choice 2020 Regular Saver Business Online Saver winner of Mozo Experts Choice 2020 Small Business No. Strings Savings Funding mix (%) 22.7 24.5 25.5 8.6 6.9 6.4 68.6 68.1 68.6 1H19 2H19 1H20 ■Customer deposits Wholesale deposits Securitisation Customer deposits ($m) 3.443 3.662 3.684 1.593 1.742 1.585 +1% +6% mozo EXPERTS CHOICE AWARDS 2020 2.069 1.942 1.858 OUTSTANDING VALLE CANSTAR SAVINGS SACCOUNT 1H19 2H19 1H20 ■Customer deposits at term ■Customer deposits at call
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