Mutuals Industry Review 2017

KPMG Mutuals Industry Review 2017 STRENGTH/SOUNDNESS RANKING SIZE MEASURES GROWTH MEASURES PROFITABILITY MEASURES EFFICIENCY MEASURES CREDIT QUALITY MEASURES Datasheet MEASURES

By By Increase / Increase / (Decrease) Increase / (Decrease) Net Interest Income5 Non Interest Income6 Doubtful debts Total Provision for Net Loans and Advances Operating Profit Operating Profit Return on Operating Expenses8 / Net Total Accounts1 Net Assets2 $'000 Capital Adequacy Ratio3 Total Assets $'000 Total deposits $'000 (Decrease) in in Operating Profit in Operating Profit / Average Total / Average Total Cost to Income9 Expenses10 / Average Doubtful Debts / Average / Total Assets Before Tax4 After Tax4 Equity7 Average Total Assets Assets Assets Total Assets Before Tax4 After Tax4 Assets Assets Gross Receivables Gross Receivables11

Australian Military Bank Limited 23 19 Jun-17 88,339 14.92% 1,253,987 1,109,037 84.91% 10.80% 16.55% 6.15% 7,598 5,038 2.14% 0.73% 5.87% 2.19% 76.24% 0.0544% 0.0966% Australian Military Bank Limited 21 19 Jun-16 83,339 14.76% 1,131,797 986,187 77.53% 5.87% 13.31% 18.62% 6,519 4,746 2.24% 0.73% 5.86% 2.33% 78.31% 0.0909% 0.0963% B&E Ltd32 30 30 Jun-17 68,223 19.05% 763,603 649,739 82.55% 4.91% 5.80% 7.27% 4,856 3,451 2.11% 0.56% 5.24% 2.01% 75.36% 0.0084% 0.0074% B&E Ltd32 29 30 Jun-16 63,613 18.66% 727,867 609,852 80.07% 3.21% -11.08% -11.06% 4,590 3,217 2.25% 0.32% 5.19% 1.93% 75.15% -0.0007% 0.0074% Bank Australia Limited12 6 9 Jun-17 484,894 17.04% 5,157,005 4,169,704 83.32% 27.69% 3.58% 3.98% 32,306 23,491 1.96% 0.37% 5.10% 1.62% 69.44% 0.0109% 0.0459% Bank Australia Limited12 7 9 Jun-16 435,951 18.66% 4,038,759 3,402,568 79.68% 12.90% -4.06% -5.69% 31,188 22,592 2.11% 0.44% 5.33% 1.71% 66.98% 0.0300% 0.0555% BankVic 15 17 Jun-17 164,995 20.20% 1,632,873 1,415,085 79.92% 8.65% 9.08% 7.95% 15,898 11,059 2.46% 0.60% 6.94% 2.03% 66.51% 0.0134% 0.0719% BankVic 15 16 Jun-16 153,936 20.50% 1,502,852 1,312,602 79.93% 10.17% 4.81% 4.59% 14,574 10,245 2.52% 0.64% 6.88% 2.13% 67.46% 0.0161% 0.0674% Beyond Bank Australia13 8 8 Jun-17 431,184 15.06% 5,415,141 4,268,837 87.12% 13.75% 2.84% 0.54% 33,977 24,725 2.23% 0.48% 5.90% 2.02% 74.28% 0.0485% 0.0809% Beyond Bank Australia13 8 8 Jun-16 406,489 16.43% 4,760,663 3,778,382 86.73% 8.62% 4.19% 7.82% 33,040 24,591 2.34% 0.52% 6.26% 2.08% 72.62% 0.0640% 0.0865% Big Sky Building Society Limited 31 28 Jun-17 59,779 16.36% 827,351 761,476 84.37% -3.97% -51.20% -51.19% 2,380 1,664 2.17% 0.34% 2.82% 2.08% 82.55% 0.1839% 1.6112% Big Sky Building Society Limited 30 26 Jun-16 58,101 14.09% 861,563 795,691 84.88% 14.23% 199.02% 201.15% 4,877 3,409 2.25% 0.43% 6.24% 1.96% 73.35% 0.1293% 0.1315% Coastline Credit Union Limited 39 37 Jun-17 35,061 13.71% 461,319 420,980 81.27% 18.00% 23.09% 21.19% 3,407 2,379 2.37% 0.68% 7.08% 2.19% 72.03% 0.0618% 0.0760% Coastline Credit Union Limited 39 36 Jun-16 32,101 14.74% 390,934 355,272 84.22% 10.80% 3.44% 3.81% 2,768 1,963 2.39% 0.60% 6.31% 2.19% 73.32% 0.0647% 0.0585% Community Alliance Credit Union Limited14 35 32 Jun-17 42,738 14.19% 664,178 615,574 81.92% 6.04% -57.27% -64.34% 788 491 1.96% 0.36% 1.17% 2.18% 94.13% 0.0163% 0.0329% Community Alliance Credit Union Limited14 34 32 Jun-16 41,293 14.34% 626,340 580,833 83.93% 15.76% 91.09% 13.90% 1,844 1,377 2.21% 0.86% 3.39% 2.74% 89.27% 0.0169% 0.0336% Community First Credit Union Limited 24 25 Jun-17 81,169 15.30% 950,435 859,091 80.93% 4.55% 4.30% 4.58% 3,252 2,511 2.33% 0.84% 3.14% 2.76% 87.07% 0.0736% 0.1887% Community First Credit Union Limited 23 23 Jun-16 78,658 15.80% 909,106 820,003 81.64% 18.89% 7.44% 8.06% 3,118 2,401 2.57% 0.93% 3.27% 3.06% 87.45% 0.0834% 0.2128% Credit Union Australia Ltd 2 1 Jun-17 907,257 14.28% 14,323,091 8,760,229 80.50% 6.44% -6.92% -6.37% 67,871 49,650 1.72% 0.15% 5.67% 1.34% 71.47% 0.0469% 0.0749% Credit Union Australia Ltd 2 1 Jun-16 843,957 14.25% 13,456,715 8,327,180 83.18% 7.12% 11.06% 8.68% 72,920 53,027 1.79% 0.19% 6.50% 1.39% 70.33% 0.0392% 0.0728% Credit Union SA Ltd 22 24 Jun-17 96,224 19.82% 1,009,480 899,025 85.12% 8.80% 12.00% 9.63% 5,628 4,222 2.46% 0.70% 4.49% 2.55% 80.74% 0.0318% 0.0329% Credit Union SA Ltd 20 22 Jun-16 91,806 20.08% 927,793 827,873 81.51% 5.73% -11.41% -7.36% 5,025 3,851 2.57% 0.74% 4.28% 2.72% 82.37% 0.0336% 0.0333% Defence Bank Limited 16 13 Jun-17 159,624 15.40% 2,031,528 1,741,142 84.26% 14.10% -8.68% -5.92% 13,176 9,410 2.19% 0.45% 6.07% 1.93% 73.04% 0.0239% 0.0180% Defence Bank Limited 16 13 Jun-16 150,214 16.20% 1,780,500 1,475,187 84.33% 10.70% 16.29% 14.40% 14,429 10,002 2.44% 0.55% 6.89% 2.12% 71.11% 0.0117% 0.0198% Family First Credit Union Limited 49 50 Jun-17 10,759 16.20% 126,287 112,834 77.01% 11.71% 3.24% 5.02% 605 439 3.11% 0.69% 4.17% 3.23% 85.10% 0.0785% 0.1050% Family First Credit Union Limited 49 50 Jun-16 10,320 17.50% 113,054 100,313 73.87% 11.57% 58.91% 58.35% 586 418 3.29% 0.81% 4.21% 3.49% 85.14% 0.0863% 0.1307% Fire Service Credit Union Ltd 51 51 Jun-17 4,774 18.14% 58,553 53,257 54.85% 6.20% 15.31% 20.83% 113 87 2.28% 0.43% 1.84% 2.51% 92.60% 0.0033% 0.0163% Fire Service Credit Union Ltd 51 51 Jun-16 4,687 20.69% 55,134 50,086 52.87% 4.97% -1.01% -2.70% 98 72 2.33% 0.43% 1.55% 2.58% 93.36% 0.0033% 0.0100% Ford Co-operative Credit Society Limited 50 49 Jun-17 9,469 15.32% 133,232 120,867 71.94% -1.27% -13.43% -17.95% 690 457 2.01% 0.04% 4.92% 1.97% 95.90% 0.0490% 0.4357% Ford Co-operative Credit Society Limited 50 49 Jun-16 9,097 14.08% 134,940 122,644 70.60% 0.13% 40.56% 39.25% 797 557 2.01% 0.52% 5.79% 2.00% 78.99% 0.0844% 0.5386% G&C Mutual Bank Limited15 20 20 Jun-17 99,974 18.11% 1,088,114 959,864 62.09% 23.77% 55.44% 56.39% 5,117 3,600 2.26% 0.44% 3.98% 2.13% 78.84% 0.0875% 0.1033% G&C Mutual Bank Limited15 22 24 Jun-16 80,915 18.70% 879,148 764,376 57.23% 25.42% -15.07% -15.40% 3,292 2,302 2.18% 0.52% 2.88% 2.27% 83.91% 0.0301% 0.0913% Gateway Credit Union Ltd 19 23 Jun-17 101,004 19.82% 1,038,882 704,893 84.67% 0.13% -15.31% -12.84% 3,224 2,315 1.74% 0.14% 2.33% 1.54% 81.51% 0.0455% 0.0734% Gateway Credit Union Ltd 19 20 Jun-16 98,007 19.75% 1,037,536 657,639 83.96% -0.80% -8.18% -6.48% 3,807 2,656 1.87% 0.13% 2.75% 1.61% 80.29% 0.0352% 0.0826% Greater Bank Limited 7 6 Jun-17 481,233 17.28% 6,286,212 5,375,917 77.88% 9.99% -3.24% -2.95% 40,845 28,641 2.22% 0.39% 6.13% 1.92% 73.85% -0.0043% 0.0217% Greater Bank Limited 4 5 Jun-16 452,786 17.90% 5,715,315 4,911,888 79.51% 5.81% -14.97% -15.56% 42,211 29,512 2.33% 0.39% 6.73% 1.96% 72.08% 0.0024% 0.0276% Heritage Bank Limited 5 3 Jun-17 487,461 13.44% 9,378,703 7,124,224 84.08% 11.11% 10.17% 9.63% 56,310 39,623 1.74% 0.46% 8.53% 1.57% 71.25% 0.0143% 0.0992% Heritage Bank Limited 5 3 Jun-16 442,105 13.95% 8,440,727 6,107,419 83.69% -1.36% 6.46% 7.55% 51,111 36,141 1.75% 0.43% 8.54% 1.55% 71.11% 0.0348% 0.0915% Holiday Coast Credit Union Ltd 37 35 Jun-17 41,948 14.14% 589,083 539,854 75.24% 6.70% -16.53% -16.22% 2,206 1,555 2.57% 0.60% 3.79% 2.76% 86.99% 0.0350% 0.0255% Holiday Coast Credit Union Ltd 35 34 Jun-16 40,218 14.54% 552,091 502,941 76.11% 4.59% 20.68% 20.21% 2,643 1,856 2.70% 0.68% 4.71% 2.86% 84.61% 0.0374% 0.0203% Horizon Credit Union Ltd 45 39 Jun-17 22,415 14.61% 337,427 312,161 75.98% 9.62% 7.63% 6.99% 1,648 1,175 2.53% 0.91% 5.38% 2.93% 85.21% -0.0032% 0.0036% Horizon Credit Union Ltd 45 39 Jun-16 21,240 14.95% 307,824 282,926 80.61% 10.55% 24.89% 25.37% 1,531 1,098 2.66% 1.00% 5.31% 3.12% 85.48% 0.0103% 0.0153% Hume Bank Limited 29 22 Jun-17 71,741 14.65% 1,051,850 966,078 73.67% 4.71% 7.61% 6.23% 5,729 3,938 2.31% 0.48% 5.66% 2.22% 79.91% 0.0153% 0.0310% Hume Bank Limited 28 21 Jun-16 67,310 14.65% 1,004,578 923,336 72.64% 5.70% 13.81% 13.19% 5,324 3,707 2.31% 0.46% 5.66% 2.23% 80.45% -0.0050% 0.0315% Hunter United Employees Credit Union Limited 43 41 Jun-17 24,071 16.93% 302,950 276,995 81.57% 8.91% 7.93% 75.60% 422 295 2.39% 0.45% 1.25% 2.69% 94.80% 0.0064% 0.0288% Hunter United Employees Credit Union Limited 43 42 Jun-16 23,273 17.54% 278,158 253,355 78.40% 0.72% -47.42% -70.45% 391 168 2.49% 0.48% 0.72% 2.88% 97.03% 0.0338% 0.0414% IMB Bank16, 17 9 7 Jun-17 330,248 16.60% 5,713,681 4,795,283 75.47% 9.37% -7.03% -7.12% 39,252 27,452 2.02% 0.27% 8.59% 1.56% 67.86% 0.0260% 0.1104% IMB Bank16, 17 9 7 Jun-16 308,579 16.90% 5,224,118 4,268,430 74.26% 5.00% -6.78% -9.06% 42,222 29,556 2.04% 0.28% 9.85% 1.48% 63.95% 0.0087% 0.1067% MCU Ltd 52 52 Jun-17 4,125 15.46% 46,319 42,016 78.29% -2.38% 1014.29% 350.00% 78 63 2.83% 0.51% 1.54% 3.23% 96.87% 0.0766% 0.1916% MCU Ltd 52 52 Jun-16 4,062 15.40% 47,450 43,226 78.54% 9.11% -94.81% -86.41% 7 14 2.67% 0.48% 0.34% 3.16% 100.35% 0.0309% 0.3009% My Credit Union Limited 40 46 Jun-17 31,357 27.55% 215,269 181,714 74.91% 3.47% -50.18% -57.32% 404 268 2.77% 0.46% 0.86% 2.99% 92.71% 0.0620% 0.1538% My Credit Union Limited 40 46 Jun-16 31,089 27.26% 208,050 174,625 67.93% 2.10% 1.07% 6.26% 811 628 2.80% 0.66% 2.04% 3.02% 87.24% 0.0728% 0.1323% Newcastle Permanent Building Society Ltd 1 2 Jun-17 909,071 19.17% 10,884,375 8,164,204 79.97% 11.37% -2.52% -1.91% 55,346 38,675 1.73% 0.21% 4.33% 1.37% 70.48% 0.0087% 0.0245% Newcastle Permanent Building Society Ltd 1 2 Jun-16 877,401 19.35% 9,773,168 7,297,864 82.36% 10.13% 11.70% 9.38% 56,774 39,430 1.85% 0.27% 4.57% 1.51% 70.85% 0.0129% 0.0279% Nexus Mutual18 47 40 Jun-17 17,260 14.42% 304,630 280,320 73.79% 2.02% 57.93% 56.19% 2,309 1,590 1.86% 0.48% 9.58% 1.58% 67.32% 0.0140% 0.0207% Nexus Mutual18 48 40 Jun-16 15,948 14.10% 298,595 275,752 73.53% 3.30% -6.88% -7.20% 1,462 1,018 1.85% 0.24% 6.65% 1.60% 76.23% 0.0069% 0.0069% Northern Inland Credit Union Limited 38 43 Jun-17 35,102 21.77% 265,919 226,502 80.21% 5.88% 60.75% 55.56% 1,720 1,204 3.29% 0.98% 3.49% 3.60% 84.24% 0.0103% 0.0176% Northern Inland Credit Union Limited 38 43 Jun-16 33,898 21.10% 251,151 213,379 77.25% 2.64% -24.59% -29.06% 1,070 774 3.46% 0.95% 2.31% 3.95% 89.51% 0.0416% 0.0330% Orange Credit Union Limited 41 47 Jun-17 25,318 24.15% 190,795 164,028 62.81% 3.45% -15.46% -15.43% 985 702 2.97% 0.59% 2.81% 3.04% 85.28% 0.0735% 0.1428% Orange Credit Union Limited 41 47 Jun-16 24,616 24.06% 184,424 157,936 66.28% 8.20% 3.39% 3.38% 1,165 830 3.17% 0.65% 3.43% 3.16% 82.81% 0.0164% 0.0694% P&N Bank19 10 10 Jun-17 273,493 14.54% 3,985,492 2,837,251 84.68% 5.97% 8.75% 28.88% 13,667 11,019 1.76% 0.50% 4.13% 1.81% 80.31% 0.1086% 0.2025% P&N Bank19 10 10 Jun-16 260,540 14.44% 3,761,092 2,701,103 84.09% 22.73% 5.98% -8.25% 12,567 8,550 1.94% 0.57% 3.34% 2.12% 84.22% 0.1026% 0.1728% People’s Choice Credit Union20 3 4 Jun-17 570,754 14.89% 7,895,914 5,802,013 86.90% 5.08% -6.85% -7.98% 46,018 33,080 2.14% 0.98% 5.99% 2.47% 78.86% 0.0734% 0.0676% People’s Choice Credit Union20 3 4 Jun-16 533,291 14.22% 7,514,308 5,501,037 85.78% 8.98% 35.11% 40.10% 49,400 35,948 2.27% 1.03% 6.97% 2.56% 77.40% 0.0715% 0.0675% Police Bank Ltd 14 16 Jun-17 183,699 18.65% 1,681,290 1,368,936 73.19% 8.11% -3.04% -6.09% 12,122 8,292 2.52% 0.72% 4.62% 2.45% 75.86% 0.0395% 0.0420% Police Bank Ltd 14 15 Jun-16 175,272 18.87% 1,555,132 1,254,379 77.83% 1.96% -24.71% -24.60% 12,502 8,830 2.54% 0.71% 5.17% 2.43% 74.44% -0.0283% 0.0356% Police Credit Union Ltd 28 26 Jun-17 73,156 14.93% 943,636 856,091 94.95% 9.87% 22.62% 23.69% 7,097 5,064 2.18% 0.78% 7.15% 2.34% 79.10% 0.0199% 0.0456% Police Credit Union Ltd 27 27 Jun-16 68,479 15.29% 858,831 781,496 94.34% 10.40% 13.49% 13.44% 5,788 4,094 2.31% 0.90% 6.21% 2.48% 77.29% 0.0222% 0.0415% QBANK21 27 29 Jun-17 74,043 19.22% 819,596 728,528 82.44% 1.72% -1.99% -0.41% 3,439 2,453 2.02% 0.56% 3.30% 2.14% 82.73% 0.0280% 0.0306% QBANK21 26 29 Jun-16 74,491 18.56% 805,702 710,744 80.80% 22.68% 32.12% 31.78% 3,509 2,463 2.20% 0.83% 3.36% 2.52% 83.18% 0.0362% 0.0225% Qudos Bank22 11 11 Jun-17 254,786 14.66% 3,522,266 3,087,283 82.50% 5.23% -22.66% -22.56% 15,682 11,014 1.81% 0.33% 4.47% 1.65% 77.21% 0.0379% 0.0520% Qudos Bank22 11 11 Jun-16 238,349 13.81% 3,347,074 2,929,622 81.49% 7.04% -3.55% -3.50% 20,276 14,223 1.86% 0.36% 6.14% 1.57% 70.65% 0.0342% 0.0608% Queensland Country Credit Union Limited23 12 15 Jun-17 199,573 14.31% 1,740,359 1,482,771 79.26% 28.15% -37.26% -78.20% 5,218 1,895 2.22% 7.45% 1.00% 9.20% 95.26% 0.1555% 0.2518% Queensland Country Credit Union Limited23 13 17 Jun-16 179,162 14.00% 1,358,074 1,125,545 76.42% 5.35% -38.71% -23.66% 8,317 8,693 2.50% 7.89% 4.97% 9.67% 93.09% 0.1167% 0.1870% Queenslanders Credit Union Limited 34 38 Jun-17 43,865 22.08% 353,281 306,703 79.22% 5.97% -2.25% -1.74% 1,013 744 2.47% 0.65% 1.71% 2.88% 92.35% -0.0719% 0.0324% Queenslanders Credit Union Limited 33 37 Jun-16 43,121 23.00% 333,369 286,976 77.02% 0.41% 2.92% 2.71% 1,036 757 2.64% 0.73% 1.77% 3.03% 90.27% 0.0201% 0.1384% RACQ Bank24 17 14 Jun-17 153,515 19.90% 1,803,972 1,357,514 74.86% 2.65% -75.67% -71.39% 1,636 1,448 1.98% 0.48% 0.97% 2.35% 95.39% 0.0300% 0.0411% RACQ Bank24 17 14 Jun-16 145,925 21.00% 1,757,478 1,257,269 69.81% 26.33% -25.55% -24.04% 6,725 5,061 2.22% 0.64% 3.69% 2.42% 84.46% 0.0224% 0.0233% Regional Australia Bank25 18 18 Jun-17 107,182 15.83% 1,311,010 1,176,723 81.17% 11.19% 11.02% 11.15% 11,755 8,143 2.98% 0.57% 7.90% 2.52% 71.00% 0.1055% 0.2777% Regional Australia Bank25 18 18 Jun-16 99,037 15.50% 1,179,112 1,053,280 80.31% 8.75% 17.12% 13.63% 10,588 7,326 3.20% 0.64% 7.11% 2.81% 73.32% 0.1095% 0.2628% Select Encompass Credit Union Ltd26 25 34 Jun-17 80,518 25.13% 627,480 533,167 71.59% 116.65% 1511.86% 1147.41% 1,902 1,447 3.44% 0.64% 2.42% 3.66% 89.83% 0.0310% 0.0464% Select Encompass Credit Union Ltd26 36 38 Jun-16 39,136 25.32% 289,629 243,165 69.51% 1.34% -87.24% -82.97% 118 116 2.83% 0.66% 0.30% 3.45% 98.83% 0.1033% 0.0499% South West Slopes Credit Union Ltd 46 48 Jun-17 20,645 27.02% 157,170 135,387 64.91% 5.32% -20.54% -20.72% 905 639 3.45% 0.39% 3.14% 3.25% 84.55% 0.0060% 0.2024% South West Slopes Credit Union Ltd 46 48 Jun-16 20,006 27.74% 149,236 127,493 64.45% 5.86% -15.00% -14.80% 1,139 806 3.58% 0.47% 4.11% 3.27% 80.79% -0.0105% 0.2013% Southern Cross Credit Union Limited 33 36 Jun-17 49,689 19.63% 482,090 427,006 85.99% 14.26% 0.38% 0.44% 4,217 2,979 2.53% 0.86% 6.19% 2.37% 69.92% 0.1001% 0.1122% Southern Cross Credit Union Limited 32 35 Jun-16 46,581 20.44% 421,922 369,426 85.42% 12.09% 45.36% 45.96% 4,201 2,966 2.81% 0.90% 6.58% 2.64% 71.16% 0.0208% 0.0257% Summerland Credit Union Limited 32 31 Jun-17 55,962 16.53% 666,069 577,932 78.57% 5.57% -35.60% -35.37% 3,048 2,154 2.41% 0.62% 3.93% 2.55% 84.39% 0.0016% 0.0245% Summerland Credit Union Limited 31 31 Jun-16 53,714 16.73% 630,904 554,793 74.79% 4.66% -2.33% -2.71% 4,733 3,333 2.55% 0.72% 6.40% 2.52% 77.02% -0.0099% 0.0268% Sydney Credit Union Ltd 26 27 Jun-17 76,783 17.14% 867,043 777,372 71.91% 2.72% -4.18% -7.97% 2,912 2,158 2.33% 0.47% 2.82% 2.41% 86.37% 0.0572% 0.0873% Sydney Credit Union Ltd 24 28 Jun-16 76,399 17.49% 844,095 753,627 70.03% 4.17% 8.03% 10.15% 3,039 2,345 2.43% 0.44% 3.12% 2.50% 87.07% 0.0052% 0.0666% Teachers Mutual bank Limited27 4 5 Jun-17 492,226 15.09% 6,682,013 5,479,874 82.02% 20.56% -7.36% -7.73% 39,943 27,878 2.17% 0.37% 6.00% 1.85% 72.68% 0.0496% 0.0400% KPMG Mutuals Industry Review 2017 STRENGTH/SOUNDNESS RANKING SIZE MEASURES GROWTH MEASURES PROFITABILITY MEASURES EFFICIENCY MEASURES CREDIT QUALITY MEASURES Datasheet MEASURES

Teachers Mutual bank Limited27 6 6 Jun-16 437,099 15.85% 5,542,509 4,636,734 82.92% 13.99% 3.10% 1.44% 43,115 30,212 2.37% 0.42% 7.25% 1.92% 68.71% 0.0510% 0.0470% The Capricornian Ltd 44 42 Jun-17 22,600 13.97% 301,335 275,406 84.18% 3.26% -0.90% -0.60% 1,871 1,315 2.59% 0.60% 5.98% 2.48% 77.61% 0.0995% 0.1155% The Capricornian Ltd 44 41 Jun-16 21,406 14.26% 291,808 267,696 84.37% 2.71% -10.18% -10.79% 1,888 1,323 2.65% 0.73% 6.35% 2.66% 78.56% 0.0839% 0.1065% The Mac28 42 45 Jun-17 24,449 19.25% 249,279 233,033 63.21% 2.86% -16.22% -10.34% 723 555 2.76% 0.66% 2.30% 3.13% 91.74% -0.0052% 0.0513% The Mac28 42 44 Jun-16 23,895 19.46% 242,356 216,385 62.24% 4.53% 2.82% 1.11% 863 619 2.86% 0.68% 2.62% 3.17% 89.39% 0.0192% 0.0756% The Mutual29 36 33 Jun-17 42,034 15.15% 641,600 573,384 75.62% 7.23% -18.10% -17.75% 3,399 2,382 2.02% 0.37% 5.83% 1.71% 71.55% 0.0006% 0.0427% The Mutual29 37 33 Jun-16 39,652 15.16% 598,334 510,577 77.72% 4.87% 4.38% 4.10% 4,150 2,896 2.22% 0.29% 7.58% 1.68% 66.84% 0.0002% 0.0434% Unity Bank Limited30 21 21 Jun-17 96,920 17.52% 1,057,749 932,210 77.77% 21.23% -28.36% -32.53% 3,162 2,190 2.63% 0.57% 2.54% 2.81% 87.65% 0.0881% 0.1272% Unity Bank Limited30 25 25 Jun-16 75,291 17.37% 872,546 762,814 76.00% 7.01% 5.42% 7.63% 4,414 3,246 2.85% 0.72% 4.34% 2.95% 82.65% 0.1285% 0.1184% Victoria Teachers Mutual Bank31 13 12 Jun-17 193,511 15.65% 2,320,374 2,104,696 79.82% 7.36% -19.65% -19.99% 17,262 12,080 2.13% 0.53% 6.44% 2.00% 75.05% 0.0172% 0.0181% Victoria Teachers Mutual Bank31 12 12 Jun-16 181,813 15.51% 2,161,212 1,957,289 76.83% 6.83% 1.14% 1.36% 21,483 15,099 2.26% 0.58% 8.67% 1.93% 68.01% 0.0181% 0.0166% Warwick Credit Union Limited 48 44 Jun-17 17,230 12.77% 255,476 220,919 82.87% 6.10% -59.61% -62.20% 643 446 2.24% 0.52% 2.62% 2.52% 90.95% -0.0097% 0.2530% Warwick Credit Union Limited 47 45 Jun-16 16,784 12.54% 240,777 208,547 83.92% 1.04% 41.80% 48.28% 1,592 1,180 2.55% 0.70% 6.75% 2.57% 79.05% 0.0203% 0.4182% Total 2017 8,433,450 17.25% 110,866,766 87,345,129 78.43% 10.45% -4.09% -5.02% 605,774 429,545 2.03% 0.54% 5.26% 1.96% 76.55% 0.0392% 0.0855% Total 2016 7,834,453 17.45% 100,375,849 78,589,763 77.56% 8.25% 3.20% 2.72% 631,638 452,245 2.14% 0.58% 5.91% 2.04% 75.06% 0.0390% 0.0716%

1. Information has been extracted from published annual reports (at a consolidated level where applicable). Parent numbers have been used in limited cases where they are a better reflection of results. In limited cases, KPMG has adjusted a number of balances to reflect significant one-off events. All figures for the current and prior year are reported under AIFRS and in Australian dollars. All of the results reported were for a 12-month period. 2. Net assets include other equity interests. 3. Capital Adequacy Ratio is calculated under the Australian Prudential Regulation Authority's risk based measures. 4. Operating profit is before outside equity interests. 5. Net interest income is interest income less interest expense. 6. Non-interest income is all revenue less interest income. 7. Return on equity is operating profit after tax as a percentage of average net assets. 8. Operating expenses are total expenses (before tax) less interest expense and doubtful debts. 9. Cost to income is operating expenses as a percentage of operating income. 10. Doubtful debts expense is the charge to the statement of financial performance for bad debts and provisions for doubtful debts. 11. Gross receivables includes loans, advances, lease receivables (net of unearned income) and accrued interest on loans and advances but excludes sundry debtors, prepayments and accrued interest. 12. In January 2017, Intech Credit Union Limited merged with Bank Australia Limited. 13. Registered as Community CPS Australia Limited. 14. Trading as Illawarra Credit Union. 15. In September 2016, Quay Credit Union Ltd merged with G&C Mutual Bank Limited. 16. Registered as IMB Ltd. 17. In July 2016, Sutherland Credit Union Ltd merged with IMB Ltd. 18. Registered as EECU Limited. 19. Registered as Police & Nurses Limited. 20. Registered as Australian Central Credit Union Limited. 21. Registered as QPCU Limited. 22. Registered as Qudos Mutual Limited. 23. In April 2017, ECU Australia Ltd merged with Queensland Country Credit Union Limited. 24. In November 2016, QT Mutual Bank merged with The Royal Automobile Club of Queensland Limited (RACQ), to become RACQ Bank. 25. Registered as Community Mutual Limited. 26. In July 2016, Select Credit Union Limited merged with Encompass Credit Union, to become Select Encompass Credit Union. 27. In November 2016, Firefighters Mutual Bank merged with Teachers Mutual Bank Limited. 28. Registered as Macarthur Credit Union Ltd. 29. Registered as Maitland Mutual Building Society Limited. 30. In June 2017, Bankstown City Unity Bank and Reliance Bank merged with Maritime Mining and Power Credit Union Ltd, to become Unity Bank Limited. 31. Registered as Victoria Teachers Limited. 32. From November 2017, trading as Bank of us.

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