Annual General Meeting (‘AGM’)

26 November 2013

Agenda Item 1

Chairman’s Welcome and Opening Address

Agenda Item 2

Reports

Changed status from a credit union to a bank

Standard and Poor’s international credit rating

Successful merger

New product

Highlights of 2012/13

New trading name

Reduced operating costs

Reduced fees

Have continued to grow

Highlights of 2012/13

Members 200,000

Employees 600

Assets Under Management $4 Billion

Branches 50

2012 / 13 Pre Tax Profit $32.2 Million

2012 / 13 After Tax Profit $23.2 Million

Some Key Figures

30/06/2005 30/06/2013

Total Income $78.3 million $245.2 million

Total Assets $895 million $3.8 billion

Total Deposits $786 million $3.05 billion

Total Loans $797 million $3.3 billion

Total Reserves $65.2 million $315.2 million

Net profit before tax $9.6 million $32.2 million

Net profit after tax $6.6 million $23.2 million

Capital Adequacy 12.2% 16.3%

Cost/Income 75.73% 70.63%

Comparison 30 June 2005 & 30 June 2013

2013 AGM

The Year Ahead

2013 AGM

Directors’ Report

2013 AGM

2013 Annual General MeetingFinancial Report by Debbie Goodin

Chair Board Audit Committee

Net Profit After Tax of $23.2m, down 17.8%

Group assets under management up 4.7% to $3.8bn

Investment in strategy increases cost to income ratio to 71%

New lending of $640m in a subdued economic environment

$1.6m contributed to our local communities (being 7% of profit)

Loan arrears down to 0.47% and still well below industry averages

2012/13 Performance Overview

2011 2012 2013$0.0m

$5.0m

$10.0m

$15.0m

$20.0m

$25.0m

$30.0mNet Profit after Tax Underlying Profit

Beyond Bank Australia

Beyond Bank Australia

2011 2012 20130.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

18.00%16.14% 16.09% 16.18%

Capital Adequacy

Beyond Bank Australia

2011 2012 2013-$200k

-$100k

$0k

$100k

$200k

$300k

$400k

$500k

$600kBeyond Advice Profit (after tax) Underlying

Beyond Bank Australia

2011 2012 201350.0%

55.0%

60.0%

65.0%

70.0%

75.0%Operating expenses to net operating income

Beyond Bank Australia

2011 2012 2013$2.00bn

$2.20bn

$2.40bn

$2.60bn

$2.80bn

$3.00bn

$3.20bn

$3.40bnLoans Under Management

Beyond Bank Australia

2011 2012 20130.00%

0.10%

0.20%

0.30%

0.40%

0.50%

0.60%

0.70%Credit Risk - Loan Arrears Ratio*

Being loans in arrears > 30 days as a portion of the total loan portfolio

Beyond Bank Australia

2011 2012 2013$2.00bn

$2.20bn

$2.40bn

$2.60bn

$2.80bn

$3.00bn

$3.20bnDeposits

Beyond Bank Australia

2011 2012 2013 2014f$0.0m

$5.0m

$10.0m

$15.0m

$20.0m

$25.0m

$30.0mProfit expectations

Beyond Bank Australia

• Lower 2013 profitability due to reduced member fees and charges and a significant investment in strategy but 2014 expected to improve

• Prudential standing maintained with strong capital adequacy and liquidity levels

• Credit quality of loan portfolio pristine with arrears levels further reduced

• Ongoing focus on internal controls to minimise fraud losses

• Thanks to management team and staff for an outstanding result

In Summary…

2013 AGM

Retirement of two Directors

Agenda Item 3

Election of Directors

Election of Directors

6 candidates – 3 vacancies

6 candidates – all assessed “fit and

proper”

Computershare Pty Ltd – conduct an

independent ballot

Results of BallotNumber of votes cast for each candidate:

1. Steve Nolis 3,548 (appointed for a 3 year term)

2. Heather Webster 3,519 (appointed for a 3 year term)

3. Geoffrey Knuckey 3,268 (appointed for a 3 year term)

4. Margaret Patrick (Carmody) 2,608

5. Christina Ryan 2,340

6. Geoffrey Parnell 1,315

Information about Proxies Received and Voting Process

2013 AGM

2013 AGM

Details – Proxy Instruments

Agenda Item 4

Appointment of a Director:

Resolution 1

Appointment of a Director

Resolution to be put:

“That Steven Arndt’s appointment as an elected Director of Beyond Bank Australia from the end of the 2013 AGM until the end of the 2015 AGM be

ratified.”

Agenda Item 5

Proposed amendments to the Constitution due to bank designation:

Resolution 2

2013 AGM

Resolution to be put:

“That the Constitution of Beyond Bank Australia be hereby amended as set out in Explanatory Note 3 on the Item of Business section of the

Notice convening the meeting.”

Agenda Item 6

Other proposed amendments to the Constitution:

Resolution 3

2013 AGM

Resolution to be put:

“That the Constitution of Beyond Bank Australia be hereby amended as set out in Explanatory Note 3 on the Item of Business section of the

Notice convening the meeting.”

2013 AGM

Other Business - Opportunity for Members to ask Questions

2013 AGM

Announcement of the voting results

2013 AGM

Close