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For personal use only

For personal use only


For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
Financial performance
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Balance sheet and capital
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Residential mortgage growth
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Cash earnings
Net interest margin

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Other income
Homesafe investment property portfolio

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Operating expenses

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Bad and doubtful debts

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Arrears remain benign
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Consumer division

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Business division

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Agribusiness division

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Strong CET1 position

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Industry leading funding position

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For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only
For personal use only

tictochomeloans.com
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For personal use only

Bcause.com.au
Funding
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≤ 0.01% > 0.01% - ≤ 0.25%


> 0.25% - ≤ 1.50% > 1.50%

2
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Key capital ratios
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Liquidity
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Residential lending
Residential lending portfolio
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Secure and low risk loan portfolios
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Specific provisions
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Represented by
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AASB 9
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Great Southern
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Business
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Agribusiness
The Community Bank® model

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Alliance Bank®
Homesafe investment property portfolio (statutory earnings)
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Homesafe accounting treatment – illustrative example
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Statutory earnings to cash earnings - reconciliation
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For personal use only
For personal use only