Investor Presentaiton

#3 BUSINESS UPDATE Excellent credit performance Maintaining industry-leading performance across key metrics 90+ day arrears 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 FY18 FY19 FY19 FY19 FY19 FY20 FY20 FY20 FY20 FY21 FY21 Q2 Loan deferrals¹ • • • Low 90+ day arrears, tracking in line with historic range COVID-19 loan deferrals amongst lowest in industry - both at peak and at half-year end 88% of borrowers that entered a COVID- 19 loan deferral arrangement before Jun-20 had returned to contractual payments or paid off their loan at Sept- 20 10.0% 8.0% Industry experience - indicative peak deferrals range² • Loan deferrals represented 0.78% of loan portfolio at Sept-20 6.0% 4.0% 2.0% 0.0% Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Plenti Notes: 1) Total value of loans in deferral as a % of total loan portfolio. 2) Based on industry experience of ~5-10% on automotive loans (Fitch Auto ABS index - Australia: The Dinkum ABS Index 1Q20), ~6-8% on personal loans (feedback from participation in industry forums and Wisr loan deferrals announced to market) and ~10% on mortgages (Australian Banking Association COVID-19 Banking Statistics, APRA Monthly Authorised Deposit-taking Institution Statistics) 15

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