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Investor Presentaiton

MyState Sub Debt Issue | Investor Presentation 19 Limited MSB captures funding tailwinds BBSW 1.50 1.25 1.00 0.75 0.50 0.25 BBSW 1M BBSW 3M BBSW 6M 0.00 Jul 2019 Sep 2019 Nov 2019 Jan 2020 Mar 2020 NIM waterfall Origination costs Increase Decrease Net interest margin up +3bps on 2H19 Continued fall in wholesale funding costs Narrowing of BBSW-OIS spread contributed 10bps TD rates falling as book rolls to lower rates Lending market remains highly competitive NIM trend 2.00% 0.24% 1.80% 0.25% -0.02% 2.03% 1.91% 1.81% 1.79% 1.82% 1.60% 0.39% 0.46% 1.81% 1.82% 1.40% -0.01% 0.03% 1.20% 1H19 Asset Price Asset Mix Origination Funding Funding 1H20 1H18 2H18 1H19 2H19 1H20 Costs Price Mix

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