AUL FY21 Investor Presentation

Retail outlook 180 Australian YEARS Unity Real Wellbeing • Outlook remains cautiously positive, notwithstanding known impacts and ongoing uncertainties flowing from COVID-19 on healthcare and the economy Anticipate that most health insurance claims deferred due to restrictions on healthcare services during the pandemic will catch up Securitisation program introduced in the year under review will support the bank's growth agenda and allow the bank to continue to grow at above sector rates The extension of the banking business's funding sources through securitisation, expansion of its distribution footprint and strengthened general insurance offering together with an improved health insurance customer value proposition are all key elements to Retail's business development strategy Focusing on developing packages of banking and insurance products; innovative solutions to tackling health and housing affordability; and customer-centered digital platforms that assist the coordination of essential financial and health insurance related services 27 27

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