AUL HY2023 Investor Presentation

Retail outlook Australian Unity Real Wellbeing • Outlook is cautiously positive, notwithstanding the continued uncertainties as health insurance claims normalise and bank credit growth slows in response to higher interest rates Has established a solid foundation for the delivery of customer growth and member value. The platform remains focused on several opportunities arising from the health insurance and banking adjacencies, including packages of banking and insurance products and customer-centered digital platforms that assist the co-ordination of essential financial and health insurance related services 24

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