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Investor Presentaiton

16% MyState Sub Debt Issue | Investor Presentation 36 Limited Well capitalised Capital ratios comfortably above regulatory minimums Capital position supported by earnings growth and securitised funding Effective capital strategy underpinning growth and investment in digital capability Issuance of replacement subordinated notes by MyState Limited will improve Level 2 regulatory capital efficiency 15% 1.70% 1.40% 14% Tier 1 capital Tier 2 capital Increase Decrease 0.42% 13.21% 0.11% 0.80% 0.09% 0.25% 13% 0.11% 0.11% 12.87% 1.83% 12% Impacts Tier 2 Capital only 1.94% 11% 10% 11.38% 9% 8% 7% Dec-19 Capital initiatives Securitised assets Profit Dividends paid Secured Capitalised mortgage intangibles lending Other asset growth 10.93% Provision COVID 19 overlay GRCL provision COVID 19 overlay May 20- Proforma

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