Bendigo & Adelaide Bank Ltd. · ASX:BEN

Bendigo & Adelaide Bank — FY2024 Earnings Presentation

64 slides from Bendigo & Adelaide Bank's earnings presentation, Aug 26, 2024

1. Slide 1: Full Year Results Presentation 30 June 2024

   > | Bendigoand AdelaideBank Presentat ion For the full year ending 30 June 2024 Released 26 August 2024 ‘Feeling Valued’ original by Oliver Mills Commissioned for the launch for BEN's Accessibilty and Inclusion Plan 2024-26 Bendigo and Adelaide Bank Limited ABN 11 068 049 178

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4. Slide 4: Marnie Baker - CEO

   Ce Marnie Baker - CEO he n > | BendigoandAdelaideBank

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13. Slide 13: Execution – Up

    2. Execution – Up For personal use only The Home Deposit Saver — Up Home — The Home Zone — Being used by over 60,000 Upsiders to Owning your own home made easy and Our superfast conditional pre- see where they're at, how much they mobile. Over 1,000 loans settled in FY24, approval tool has been acce

14. Slide 14: Execution – Up: 2Up

    2. Execution – Up 2Up — For personal use only our joint account offering for modern relationships has continued to find relevance with young Australians, with over 130,000 Upsiders now actively using it to fight finances together. 14

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    > | BendigoandAdetaideBank

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29. Slide 29: Management team

    Marnie Baker ele Andrew Morgan Chief Finan: ial O Taso Corolis Chief Risk Officer > | BendigoandAdelaideBank

30. Slide 30: Questions

    ? oR Marnie Baker - CEO an > | BendigoandAdelaideBank

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    Taicelaaa > | BendigoandAdetaideBank

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34. Slide 34: Appendix

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36. Slide 36: BEN Revenue share

    For personal use only FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 BEN Revenue share C2 - Internal Use Only

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40. Slide 40: Up – Bendigo's digital bank

    Up Bendigo’s digital bank 20,000 Upsiders For personal use only NPS Save Up 1000 — Savings Habit Creation % customer growth 8 % customer growth by word-of-mouth <$50 cost of acquisition Locked Savers — Financial Wellbeing $ m+ held in 3 , 00+ locked Savers ~2 days average lock duration $ b+ deposits

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54. Slide 54: Specific provision balance

    Specific provision For personal use only balance ($m) 47.8 41.3 39.6 Jun-23 Dec-23 Jun-24 C2 - Internal Use Only

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Bendigo and Adelaide Bank — FY2024 Earnings Presentation on 6ix