FY21 Results

FY21 Financial Highlights Strong FY21 performance across all key metrics STATUTORY NPAT LOAN BOOK $3.593b¹ 10.0% GROWTH, 3.2x SYSTEM² HOME LOAN APPROVALS $1.012b ↑ 38.1% NET INTEREST MARGIN 200BPS ↑ 3BPS COST TO INCOME RATIO 60.1% ↓2.4% $24.155m ↑30.5% ↑ CUSTOMER DEPOSITS EPS 56.7CPS $2.933b ↑11.9% RONTA TOTAL DIVIDEND 12.1% ↑12.9CPS ↑ FROM 9.7% 1. Including Investments in Managed Investment Schemes (MISS) reported in Financial Assets in Balance Sheet 2. System growth of 3.1% per RBA Financial Aggregates - total credit growth 40.OCPS ↑12.25CPS CAPITAL 13.31% ↑ FROM 12.95% JUN 20 INVESTOR PRESENTATION | FY21 Results - 27 August 2021 5

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