AUL FY2023 Investor Presentation

Retail outlook Australian Unity Real Wellbeing Cautiously positive outlook, notwithstanding the continued uncertainties flowing from COVID-19 Anticipated that PHI claims will return to close to normal levels and bank credit growth is likely to be impacted over the coming year due to macro economic factors such as increased inflation and higher interest rates Will leverage and optimise foundations for the delivery of customer growth and member value Continues to pursue several opportunities arising from the health insurance and banking adjacencies, including packages of banking and insurance products; innovative solutions to tackling health and housing affordability; and customer-centred digital platforms that assist the co-ordination of essential financial and health insurance related services Figures at 30 June 2023, unless otherwise noted 29 29

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