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Investor Presentaiton

Comparable banking transactions Comparable price-to-book values (Acquiror Target) Westpac / St. George Bendigo/Adelaide Comparable price-to-earnings multiples (LTM) (Acquiror Target) 2.7x Bank of Queensland / Bendigo 2.6x Bendigo/Adelaide 21.1x 19.0x Bank of Queensland / Bendigo St. George /Advance HBOS/BankWest I Suncorp / Metway 1.7x I I I Westpac Bank of Melbourne 1.7x CBA Colonial Colonial / Trust Bank 1.1x 2.1x 1.9x CBA / BankWest & 0.8x St. Andrew's Australia. Precedent average: 1.9x 2.5x Source: Company announcements, ASX announcements, Factset, IRESS. 1. Remaining 43% interest by HBOS. 19 CBA Colonial 18.0x Westpac / St. George 16.8x Westpac Bank of Melbourne 16.5x Suncorp/Metway 16.3x Colonial / Trust Bank 16.0x HBOS/BankWest1 St. George /Advance CBA BankWest & St. Andrew's Australia 11.2x 15.5× 14,7x Precedent average: 16.6x Determined to be different
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