FY21 Results

Net interest margin progression Steady NIM growth FY20 NIM 1.97% Impact of Lower Asset Yields (0.43%) Impact Impact of Lower Wholesale Impact of growth in Interest > NIM of 2.00% continues to rise in a falling interest rate environment > Benefits from reduced funding costs outweighing the impact of highly competitive home loan interest rates Funding rates Bearing of Lower 0.23% Customer Funding rates 0.41% Assets (0.18%) FY21 NIM 2.00% INVESTOR PRESENTATION | FY21 Results - 27 August 2021 19

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