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Results Presentation

For the half year ended 31 December 2022

Bendigo and Adelaide Bank Limited ABN 11 068 049 178

Contents

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1

Overview

Marnie Baker

Page 3

2

1H23 Financials

Andrew Morgan

Page 15

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3

Summary

Marnie Baker

Page 29

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4

Additional information

Page 33

2

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Overview

Marnie Baker

Managing Director

3

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Overview

Strong result underpinned by disciplined execution

  • Carefully balancing volumes and margin trade-offs
  • Strong balance sheet and credit quality
  • Continued improvement in CTI ratio
  • Transformation program delivering on key milestones
  • Delivering on returns, execution and business sustainability
  • Creating positive outcomes for our customers, communities and investors

4

Shaping the future of banking

Our strategy

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VISION:

PURPOSE:

IMPERATIVES:

Customer

Centric

Operating Model

Digital by design, human when it matters

Australia's bank of choice

To feed into prosperity, not off it

Reduce

Invest in

Tell our

complexity

capability

story

Customer

Growth &

Value Proposition

Transformation

Based on trust,

Strategy

authenticity, knowledge,

Propelled by human,

expertise, connection

digital and

and personalised

community

relationships

connections

ESG Framework

Strengthen our ESG outcomes in line with our purpose

For our customers, our people, partners, communities and shareholders

5

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Disclaimer

Bendigo and Adelaide Bank Limited published this content on 19 February 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 19 February 2023 22:49:05 UTC.