Bendigo & Adelaide Bank Ltd. · ASX:BEN

Bendigo & Adelaide Bank — FY2007 Earnings Presentation

18 slides from Bendigo & Adelaide Bank's earnings presentation, Aug 9, 2007

1. Slide 1: Profit announcement

   For personal use only 9 August 2007 profit announcement 1

2. Slide 2: Delivering results: shareholder returns

   Delivering results For personal use only Shareholder returns A$ Millions 4

3. Slide 3: Profit analysis: cash basis earnings

   Profit analysis For personal use only Cash basis earnings A$ Millions 5

4. Slide 4: Quality earnings – growth at profitable prices: interest margin

   Quality earnings – growth at profitable For personal use only prices Interest margin % 6

5. Slide 5: Quality earnings – analysis of net interest margin

   Quality earnings – growth at profitable For personal use only prices Analysis of net interest margin % 7

6. Slide 6: Consistent, measured growth

   Consistent, measured growth For personal use only Group managed loans / retail funds A$ Millions Retail funding mix % 8

7. Slide 7: Diversification of revenue: profit contributions

   Diversification of revenue For personal use only Profit contributions before tax & significant items A$ Millions 9

8. Slide 8: Diversification of revenue: non-interest income

   Diversification of revenue For personal use only Non-interest income A$ Millions 10

9. Slide 9: Investing in future growth: operating expenses

   Investing in future growth For personal use only Operating expenses A$ Millions 11

10. Slide 10: Growing shareholder returns

    Growing shareholder returns For personal use only Earnings and dividends Return on equity cents per share % 12

11. Slide 11: Excellent credit quality

    Excellent For personal use only credit quality 13

12. Slide 12: Strong capital position

    Strong capital position For personal use only 14

13. Slide 13: Additional information

    For personal use only Additional information 15

14. Slide 14: Funds under management

    Funds under management For personal use only A$ Millions 16

15. Slide 15: Funds under management

    Funds under management For personal use only A$ Millions 17

16. Slide 16: Commercial loans

    For personal use only % Commercial loans 18

17. Slide 17: Loan portfolio

    Loan portfolio For personal use only By purpose By security % 19

18. Slide 18: Balanced growth in new markets

    Balanced growth in new markets For personal use only Loans Deposits A$ Millions 20

Bendigo and Adelaide Bank — FY2007 Earnings Presentation on 6ix