Investor Presentaiton

Margin benefited from pricing and higher interest rates Change in net interest margin* (basis points) 417 FY20 9 (14) 8 9 (5) 1 (5) 10 456 29 7 446 Loans 8 Deposits 12 FY21 Pricing Mix Pricing Mix Endowment Capital ** Hedge *** Other FY22 *** group equity endowment; interest rate risk management Note: * average interest bearing assets; 14 |

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