STRENGTH/SOUNDNESS KPMG Mutuals industry review 2018 datasheet RANKING SIZE MEASURES GROWTH MEASURES PROFITABILITY MEASURES EFFICIENCY MEASURES CREDIT QUALITY MEASURES MEASURES Increase / Non Interest Operating Total Provision for By Total Net Loans and Increase / Increase / (Decrease) Operating Operating Net Interest Doubtful Debt By Net By Total By Net Assets2 Capital Adequacy By Total Assets (Decrease) in Income / Return on Expenses8 / Doubtful Debts / Accounts1 Deposits Advances / Total (Decrease) in Total in Operating Profit Profit Before Profit After Income / Average Cost to Income9 Expenses10 / Average Assets Assets $'000 Ratio3 $'000 Operating Profit Average Total Equity7 Average Total Average Gross $'000 Assets Assets After Tax4 Tax4 Tax4 Total Assets5 Gross Receivables Before Tax4 Assets6 Assets Receivables11 Australian Military Bank Limited 23 19 Jun-18 93,443 15.1% 1,346,248 1,233,865 84.1% 7.4% -1.6% 2.8% 7,473 5,180 2.2% 0.5% 5.7% 2.0% 73.8% 0.16% 0.15% Australian Military Bank Limited 23 19 Jun-17 88,076 14.9% 1,253,724 1,109,037 85.7% 10.8% 16.6% 6.2% 7,598 5,038 2.1% 0.7% 5.9% 2.2% 76.2% 0.05% 0.10% B&E Ltd12 30 28 Jun-18 69,810 17.5% 840,784 645,816 83.7% 10.1% -52.1% -54.0% 2,326 1,587 2.2% 0.3% 2.3% 2.2% 88.2% 0.01% 0.01% B&E Ltd12 30 30 Jun-17 68,223 19.1% 763,603 615,299 82.6% 4.9% 5.8% 7.3% 4,856 3,451 2.1% 0.6% 5.2% 2.0% 75.4% 0.01% 0.01% Bank Australia Limited13 7 9 Jun-18 510,174 16.6% 5,652,030 4,640,757 83.1% 9.6% 12.2% 11.1% 36,262 26,102 1.9% 0.3% 5.2% 1.5% 69.2% 0.01% 0.04% Bank Australia Limited13 6 9 Jun-17 484,894 17.0% 5,157,005 4,169,704 83.3% 27.7% 3.6% 4.0% 32,306 23,491 2.0% 0.4% 5.1% 1.6% 69.4% 0.01% 0.05% Bank First14 13 12 Jun-18 205,689 15.6% 2,509,173 2,281,609 77.7% 8.1% -1.4% -1.4% 17,014 11,913 2.1% 0.5% 6.0% 1.9% 72.6% 0.02% 0.02% Bank First14 13 12 Jun-17 193,511 15.7% 2,320,374 2,104,696 79.8% 7.4% -19.6% -20.0% 17,262 12,080 2.1% 0.5% 6.4% 2.0% 75.1% 0.02% 0.02% BankVic 15 17 Jun-18 177,632 19.7% 1,830,317 1,595,735 78.8% 12.1% 12.6% 14.3% 17,909 12,637 2.4% 0.6% 7.4% 2.0% 65.3% 0.01% 0.08% BankVic 15 17 Jun-17 164,995 20.1% 1,632,873 1,415,085 79.9% 8.7% 9.1% 7.9% 15,898 11,059 2.5% 0.6% 6.9% 2.0% 66.5% 0.01% 0.07% Beyond Bank Australia15 8 8 Jun-18 486,908 17.3% 5,823,060 4,360,412 86.8% 7.5% 2.4% 2.9% 34,801 25,441 2.2% 0.4% 5.5% 1.9% 73.9% 0.08% 0.08% Beyond Bank Australia15 8 8 Jun-17 431,184 15.1% 5,415,141 4,268,837 87.1% 13.7% 2.8% 0.5% 33,977 24,725 2.2% 0.5% 5.9% 2.0% 74.3% 0.05% 0.08% Big Sky Building Society Ltd 32 30 Jun-18 62,603 17.6% 777,441 708,593 83.7% -6.0% 65.2% 65.3% 3,932 2,750 2.5% 0.5% 4.5% 2.0% 67.5% 0.54% 2.17% Big Sky Building Society Ltd 32 28 Jun-17 59,779 16.4% 827,351 761,476 84.4% -4.0% -51.2% -51.2% 2,380 1,664 2.2% 0.3% 2.8% 2.1% 82.6% 0.18% 1.61% Coastline Credit Union Ltd 38 38 Jun-18 38,164 14.2% 503,080 458,517 83.0% 9.1% 24.5% 30.4% 4,243 3,103 2.5% 0.5% 8.5% 2.1% 69.7% 0.03% 0.00% Coastline Credit Union Ltd 39 38 Jun-17 35,061 13.7% 461,319 420,980 81.3% 18.0% 23.1% 21.2% 3,407 2,379 2.4% 0.7% 7.1% 2.2% 72.0% 0.06% 0.08% Community Alliance Credit Union Limited16 36 34 Jun-18 44,193 15.3% 619,716 570,166 83.1% -6.7% 165.2% 196.3% 2,090 1,455 2.1% 0.3% 3.3% 2.1% 86.7% 0.00% 0.02% Community Alliance Credit Union Limited16 35 32 Jun-17 42,738 14.2% 664,178 615,574 81.9% 6.0% -57.3% -64.3% 788 491 2.0% 0.4% 1.2% 2.2% 94.1% 0.02% 0.03% Community First Credit Union 24 24 Jun-18 88,843 15.4% 1,066,278 966,072 76.1% 12.2% -9.8% -12.3% 2,932 2,201 2.2% 0.7% 2.6% 2.5% 88.4% 0.06% 0.18% Community First Credit Union 24 25 Jun-17 81,169 15.3% 950,435 859,091 80.9% 4.5% 4.3% 4.6% 3,252 2,511 2.3% 0.8% 3.1% 2.8% 87.1% 0.07% 0.19% Credit Union Australia Limited 1 1 Jun-18 961,407 14.3% 15,617,933 9,231,009 78.8% 9.0% 2.4% 5.1% 69,469 52,165 1.7% 0.1% 5.6% 1.3% 71.2% 0.07% 0.08% Credit Union Australia Limited 2 1 Jun-17 907,257 14.3% 14,323,091 8,760,229 80.5% 6.4% -6.9% -6.4% 67,871 49,650 1.7% 0.1% 5.7% 1.3% 71.6% 0.05% 0.07% Credit Union SA Ltd 22 20 Jun-18 100,583 18.8% 1,160,080 945,510 78.0% 14.9% 0.9% 0.9% 5,676 4,262 2.2% 0.7% 4.3% 2.4% 81.4% 0.02% 0.03% Credit Union SA Ltd 22 24 Jun-17 96,224 19.8% 1,009,480 899,025 85.1% 8.8% 12.0% 9.6% 5,628 4,222 2.5% 0.7% 4.5% 2.5% 80.7% 0.03% 0.03% Defence Bank Ltd 16 13 Jun-18 169,418 14.8% 2,277,826 1,953,896 85.5% 12.1% 6.0% 4.1% 13,961 9,794 2.1% 0.4% 6.0% 1.8% 72.9% 0.01% 0.02% Defence Bank Ltd 16 13 Jun-17 159,624 15.4% 2,031,528 1,741,142 84.3% 14.1% -8.7% -5.9% 13,176 9,410 2.2% 0.5% 6.1% 1.9% 73.0% 0.02% 0.02% Endeavour Mutual Bank Ltd 25 33 Jun-18 82,724 25.8% 639,250 545,366 72.5% 1.9% 60.9% 52.5% 3,061 2,206 2.5% 0.4% 2.7% 2.4% 83.0% 0.02% 0.03% Endeavour Mutual Bank Ltd 25 34 Jun-17 80,518 25.1% 627,480 533,167 71.6% 116.6% 1511.9% 1147.4% 1,902 1,447 3.4% 0.6% 2.4% 3.7% 89.8% 0.03% 0.05% Family First Credit Union Limited 47 48 Jun-18 11,377 16.8% 134,209 119,683 78.5% 6.3% 40.2% 40.8% 848 618 3.0% 0.7% 5.6% 3.0% 81.6% 0.04% 0.11% Family First Credit Union Limited 47 48 Jun-17 10,759 16.2% 126,287 112,834 77.0% 11.7% 3.2% 5.0% 605 439 3.1% 0.7% 4.2% 3.2% 85.1% 0.08% 0.10% Ford Co-operative Credit Society Limited 48 47 Jun-18 9,870 15.3% 135,300 124,066 72.8% 1.6% 0.0% -12.3% 690 401 2.0% 0.4% 4.1% 2.1% 87.1% 0.15% 0.24% Ford Co-operative Credit Society Limited 48 47 Jun-17 9,469 15.3% 133,232 120,867 71.9% -1.3% -13.4% -18.0% 690 457 2.0% 0.4% 4.9% 2.0% 80.4% 0.05% 0.44% G&C Mutual Bank Limited17 19 21 Jun-18 104,760 18.2% 1,120,680 957,737 63.2% 3.0% 33.0% 32.9% 6,804 4,786 2.2% 0.4% 4.7% 1.8% 69.4% 0.29% 0.17% G&C Mutual Bank Limited17 20 20 Jun-17 99,974 18.1% 1,088,114 959,864 62.1% 23.8% 55.4% 56.4% 5,117 3,600 2.3% 0.4% 4.0% 2.1% S96 0.08% 0.10% Gateway Bank Ltd18 20 25 Jun-18 103,544 20.4% 1,064,121 746,395 83.9% 2.4% 14.5% 7.7% 3,692 2,493 1.9% 0.1% 2.4% 1.6% 78.5% 0.09% 0.10% Gateway Bank Ltd18 19 23 Jun-17 101,004 19.8% 1,038,874 704,893 84.7% 0.1% -15.3% -12.8% 3,224 2,315 1.7% 0.1% 2.3% 1.5% 81.5% 0.05% 0.07% Greater Bank Limited 6 6 Jun-18 515,124 17.4% 6,711,157 5,757,508 80.3% 6.8% 19.8% 19.5% 48,925 34,214 2.2% 0.4% 6.9% 1.9% 71.2% 0.00% 0.02% Greater Bank Limited 7 6 Jun-17 481,233 17.2% 6,286,212 5,375,917 77.9% 10.0% -3.2% -3.0% 40,845 28,641 2.2% 0.4% 6.1% 1.9% 74.0% 0.00% 0.02% Heritage Bank Ltd 4 3 Jun-18 533,399 14.1% 9,524,363 7,149,791 84.8% 1.6% 14.0% 13.7% 64,213 45,041 1.9% 0.4% 8.8% 1.6% 70.6% 0.01% 0.11% Heritage Bank Ltd 5 3 Jun-17 487,461 13.4% 9,378,703 7,124,224 84.1% 11.1% 10.2% 9.6% 56,310 39,623 1.7% 0.5% 8.5% 1.6% 71.3% 0.01% 0.10% Holiday Coast Credit Union Ltd 37 36 Jun-18 44,145 14.5% 607,657 556,556 75.1% 3.2% 44.9% 43.5% 3,196 2,231 2.6% 0.6% 5.2% 2.6% 81.9% 0.03% 0.00% Holiday Coast Credit Union Ltd 37 36 Jun-17 41,948 14.1% 589,083 539,854 75.2% 6.7% -16.5% -16.2% 2,206 1,555 2.6% 0.6% 3.8% 2.8% 87.0% 0.03% 0.03% Horizon Credit Union Ltd 43 39 Jun-18 24,427 15.0% 345,005 313,955 81.8% 2.2% 4.9% 16.0% 1,729 1,363 2.6% 0.8% 5.8% 2.9% 85.1% 0.00% 0.00% Horizon Credit Union Ltd 44 39 Jun-17 22,415 14.6% 337,427 312,161 76.0% 9.6% 7.6% 7.0% 1,648 1,175 2.5% 0.9% 5.4% 2.9% 85.2% 0.00% 0.00% Hume Bank Limited 29 22 Jun-18 75,776 14.5% 1,104,110 1,016,352 75.3% 5.0% 5.0% 6.2% 6,013 4,183 2.4% 0.5% 5.7% 2.3% 79.9% 0.03% 0.04% Hume Bank Limited 29 22 Jun-17 71,741 14.6% 1,051,850 966,078 73.7% 4.7% 7.6% 6.2% 5,729 3,938 2.3% 0.5% 5.7% 2.2% 79.9% 0.02% 0.03% Hunter United Employees’ Credit Union Limited 42 41 Jun-18 24,451 16.4% 329,756 303,082 80.8% 8.8% 26.5% 28.8% 534 380 2.2% 0.4% 1.6% 2.4% 93.0% 0.02% 0.03% Hunter United Employees’ Credit Union Limited 42 41 Jun-17 24,071 16.9% 302,950 276,995 81.6% 8.9% 7.9% 75.6% 422 295 2.4% 0.5% 1.2% 2.7% 94.7% 0.01% 0.03% IMB Limited 9 7 Jun-18 343,687 16.1% 5,912,182 4,993,265 77.3% 3.5% 15.1% 15.0% 45,184 31,561 2.1% 0.2% 9.4% 1.5% 65.7% 0.03% 0.11% IMB Limited 9 7 Jun-17 330,248 16.6% 5,713,681 4,795,283 75.5% 9.4% -7.0% -7.1% 39,252 27,452 2.0% 0.3% 8.6% 1.6% 67.9% 0.03% 0.11% Macarthur Credit Union Ltd 41 44 Jun-18 24,744 19.6% 253,733 227,111 65.2% 1.8% -40.1% -46.8% 433 295 2.7% 0.6% 1.2% 3.1% 94.4% 0.06% 0.06% Macarthur Credit Union Ltd 41 44 Jun-17 24,449 19.3% 249,279 233,033 63.2% 2.9% -16.2% -10.3% 723 555 2.8% 0.7% 2.3% 3.1% 91.7% -0.01% 0.05% MOVE Bank19 31 35 Jun-18 63,264 21.5% 614,446 549,283 80.4% -0.3% -24.2% -21.5% 1,305 933 2.1% 0.3% 1.5% 2.0% 85.1% 0.14% 0.25% MOVE Bank19 31 35 Jun-17 62,331 20.8% 616,223 552,070 77.4% 4.4% -38.8% -39.9% 1,721 1,188 1.9% 0.4% 1.9% 2.0% 85.5% -0.07% 0.12% Newcastle Permanent Building Society Ltd 2 2 Jun-18 954,293 20.1% 10,716,100 8,242,302 84.6% -1.5% 12.1% 11.2% 62,041 43,012 1.8% 0.2% 4.6% 1.3% 67.5% 0.01% 0.02% Newcastle Permanent Building Society Ltd 1 2 Jun-17 909,071 19.2% 10,884,375 8,164,204 80.0% 11.4% -2.5% -1.9% 55,346 38,675 1.7% 0.2% 4.3% 1.4% 70.5% 0.01% 0.02% Nexus Mutual20 46 42 Jun-18 18,515 14.3% 323,252 301,618 73.8% 6.1% -25.7% -21.8% 1,715 1,244 1.9% 0.3% 7.0% 1.6% 75.0% 0.02% 0.00% Nexus Mutual20 46 40 Jun-17 17,260 14.4% 304,630 280,320 73.8% 2.0% 57.9% 56.2% 2,309 1,590 1.9% 0.5% 9.6% 1.6% 67.3% 0.01% 0.02% Northern Inland Credit Union Ltd 39 43 Jun-18 36,177 22.0% 287,128 245,429 80.2% 8.0% -10.9% -10.7% 1,532 1,075 3.2% 0.8% 3.0% 3.4% 86.2% -0.01% 0.01% Northern Inland Credit Union Ltd 38 43 Jun-17 35,102 21.8% 265,919 226,502 80.2% 5.9% 60.7% 55.6% 1,720 1,204 3.3% 1.0% 3.5% 3.6% 84.2% 0.01% 0.02% Orange Credit Union Ltd 40 45 Jun-18 25,973 23.9% 200,254 172,881 63.5% 5.0% -9.5% -6.8% 891 654 2.9% 0.7% 2.6% 3.2% 87.4% 0.12% 0.26% Orange Credit Union Ltd 40 45 Jun-17 25,318 24.2% 190,795 164,028 62.8% 3.5% -15.5% -15.4% 985 702 3.0% 0.6% 2.8% 3.0% 85.3% 0.07% 0.14% P&N Bank21 10 10 Jun-18 285,815 15.4% 4,149,210 2,970,662 85.6% 4.1% 22.8% 9.8% 16,783 12,103 1.8% 0.5% 4.3% 1.7% 77.9% 0.09% 0.13% P&N Bank21 10 10 Jun-17 273,493 14.5% 3,985,492 2,837,251 84.7% 6.0% 8.8% 28.9% 13,667 11,019 1.8% 0.5% 4.1% 1.8% 80.3% 0.11% 0.20% People's Choice Credit Union22 3 4 Jun-18 603,042 15.3% 8,390,573 6,113,791 86.7% 6.3% -4.0% -2.8% 44,200 32,161 2.1% 0.8% 5.5% 2.4% 80.7% 0.06% 0.07% People's Choice Credit Union22 3 4 Jun-17 570,754 14.9% 7,895,914 5,802,013 86.9% 5.1% -6.8% -8.0% 46,018 33,080 2.1% 1.0% 6.0% 2.5% 79.4% 0.07% 0.07% Police Bank Ltd 14 16 Jun-18 200,247 19.4% 1,910,898 1,599,182 75.4% 13.7% -0.1% 1.8% 12,109 8,439 2.4% 0.6% 4.4% 2.4% 76.8% 0.04% 0.04% Police Bank Ltd 14 16 Jun-17 183,699 18.7% 1,681,290 1,368,936 73.2% 8.1% -3.0% -6.1% 12,122 8,292 2.5% 0.7% 4.6% 2.5% 75.9% 0.04% 0.04% Police Credit Union Limited 27 26 Jun-18 78,469 14.7% 1,040,734 953,661 94.4% 10.3% -10.6% -11.7% 6,342 4,470 2.2% 0.6% 5.9% 2.1% 76.2% 0.02% 0.04% Police Credit Union Limited 28 26 Jun-17 73,156 14.9% 943,636 856,091 94.9% 9.9% 22.6% 23.7% 7,097 5,064 2.2% 0.8% 7.2% 2.3% 79.1% 0.02% 0.05% QBANK23 28 29 Jun-18 78,255 19.9% 839,711 735,298 82.8% 2.5% 34.0% 40.2% 4,607 3,438 2.1% 0.6% 4.5% 2.1% 79.0% 0.00% 0.02% QBANK23 27 29 Jun-17 74,043 19.2% 819,596 728,528 82.4% 1.7% -2.0% -0.4% 3,439 2,453 2.0% 0.6% 3.3% 2.1% 82.7% 0.03% 0.03% Qudos Bank24 11 11 Jun-18 255,949 14.4% 3,763,343 3,363,502 80.9% 6.8% -86.9% -87.3% 2,053 1,403 1.8% 0.3% 0.5% 2.0% 96.7% 0.02% 0.04% Qudos Bank24 11 11 Jun-17 254,786 14.7% 3,522,266 3,087,283 82.5% 5.2% -22.7% -22.6% 15,682 11,014 1.8% 0.3% 4.5% 1.7% 77.2% 0.04% 0.05% Queensland Country Credit Union25 12 14 Jun-18 245,187 15.8% 2,167,525 1,881,212 80.6% 24.5% 51.3% 144.5% 7,893 4,633 2.3% 6.5% 2.1% 8.4% 95.2% 0.05% 0.19% Queensland Country Credit Union25 12 15 Jun-17 199,573 14.3% 1,740,359 1,482,771 79.3% 28.1% -37.3% -78.2% 5,218 1,895 2.2% 7.4% 1.0% 9.2% 95.3% 0.16% 0.25% RACQ Bank26 17 15 Jun-18 166,139 17.9% 2,136,356 1,475,377 69.2% 18.4% -920.2% -735.4%- 13,418 - 9,200 1.8% 0.3% -5.8% 2.8% 131.2% 0.00% 0.02% RACQ Bank26 17 14 Jun-17 153,515 19.0% 1,803,972 1,357,514 74.9% 2.6% -75.7% -71.4% 1,636 1,448 2.0% 0.5% 1.0% 2.3% 95.4% 0.03% 0.04% Regional Australia Bank27 18 18 Jun-18 117,060 16.2% 1,403,947 1,269,157 81.5% 7.1% 9.9% 12.9% 12,915 9,192 2.9% 0.5% 8.9% 2.4% 71.3% 0.07% 0.24% Regional Australia Bank27 18 18 Jun-17 107,182 15.8% 1,311,010 1,176,723 81.2% 11.2% 11.0% 11.2% 11,755 8,143 3.0% 0.6% 7.9% 2.5% 71.0% 0.11% 0.28% South West Slopes Credit Union 45 46 Jun-18 21,285 26.1% 164,661 142,028 68.7% 4.8% -2.4% 0.2% 883 640 3.4% 0.4% 3.1% 3.2% 86.1% -0.04% 0.15% South West Slopes Credit Union 45 46 Jun-17 20,645 27.0% 157,170 135,387 64.9% 5.3% -20.5% -20.7% 905 639 3.5% 0.4% 3.1% 3.3% 84.5% 0.01% 0.20% Southern Cross Credit Union 34 37 Jun-18 52,752 19.3% 521,961 463,631 85.3% 8.3% 3.0% 2.8% 4,342 3,063 2.4% 0.6% 6.0% 2.2% 70.4% 0.05% 0.14% Southern Cross Credit Union 34 37 Jun-17 49,689 19.6% 482,090 427,006 86.0% 14.3% 0.4% 0.4% 4,217 2,979 2.5% 0.9% 6.2% 2.4% 69.9% 0.10% 0.11% Sydney Credit Union Ltd 26 27 Jun-18 80,659 16.9% 867,529 771,619 78.4% 0.1% 84.9% 79.6% 5,385 3,876 2.5% 0.6% 4.9% 2.5% 78.7% 0.06% 0.08% Sydney Credit Union Ltd 26 27 Jun-17 76,783 17.1% 867,043 777,372 71.9% 2.7% -4.2% -8.0% 2,912 2,158 2.3% 0.5% 2.8% 2.4% 86.4% 0.06% 0.09% Teachers Mutual Bank Limited 5 5 Jun-18 525,385 15.7% 7,068,765 5,813,647 84.8% 5.8% 13.2% 14.1% 45,211 31,799 2.1% 0.3% 6.2% 1.8% 71.7% 0.04% 0.05% Teachers Mutual Bank Limited 4 5 Jun-17 492,226 15.1% 6,682,013 5,479,874 82.0% 20.6% -7.4% -7.7% 39,943 27,878 2.2% 0.4% 6.0% 1.8% 72.7% 0.05% 0.04% The Capricornian Ltd 44 40 Jun-18 23,902 13.9% 333,437 306,555 84.7% 10.7% 6.9% 7.6% 2,000 1,415 2.6% 0.5% 6.1% 2.4% 76.3% 0.12% 0.17% The Capricornian Ltd 43 42 Jun-17 22,600 14.0% 301,335 275,406 84.2% 3.3% -0.9% -0.6% 1,871 1,315 2.6% 0.6% 6.0% 2.5% 77.6% 0.10% 0.12% The Mutual28 35 32 Jun-18 44,483 15.6% 672,078 583,695 78.3% 4.8% 2.9% 2.8% 3,499 2,449 2.1% 0.3% 5.7% 1.7% 71.1% 0.00% 0.04% STRENGTH/SOUNDNESS KPMG Mutuals industry review 2018 datasheet RANKING SIZE MEASURES GROWTH MEASURES PROFITABILITY MEASURES EFFICIENCY MEASURES CREDIT QUALITY MEASURES MEASURES Increase / Non Interest Operating Total Provision for By Total Net Loans and Increase / Increase / (Decrease) Operating Operating Net Interest Doubtful Debt By Net By Total By Net Assets2 Capital Adequacy By Total Assets (Decrease) in Income / Return on Expenses8 / Doubtful Debts / Accounts1 Deposits Advances / Total (Decrease) in Total in Operating Profit Profit Before Profit After Income / Average Cost to Income9 Expenses10 / Average Assets Assets $'000 Ratio3 $'000 Operating Profit Average Total Equity7 Average Total Average Gross $'000 Assets Assets After Tax4 Tax4 Tax4 Total Assets5 Gross Receivables Before Tax4 Assets6 Assets Receivables11 The Mutual28 36 33 Jun-17 42,034 15.2% 641,600 573,384 75.6% 7.2% -18.1% -17.7% 3,399 2,382 2.0% 0.4% 5.8% 1.7% 70.9% 0.00% 0.04% The Summerland Credit Union Limited 33 31 Jun-18 59,094 16.8% 689,150 598,864 81.7% 3.5% 38.9% 43.8% 4,235 3,097 2.5% 0.6% 5.4% 2.5% 79.5% 0.00% 0.02% The Summerland Credit Union Limited 33 31 Jun-17 55,962 16.5% 666,069 577,932 78.6% 5.6% -35.6% -35.4% 3,048 2,154 2.4% 0.6% 3.9% 2.6% 84.4% 0.00% 0.02% Unity Bank Limited29 21 23 Jun-18 100,744 17.1% 1,090,505 977,658 80.5% 3.1% 53.1% 89.5% 4,840 4,151 2.8% 0.5% 4.2% 2.8% 85.1% 0.06% 0.08% Unity Bank Limited29 21 21 Jun-17 96,920 17.5% 1,057,749 932,210 77.8% 21.2% -28.4% -32.5% 3,162 2,190 2.6% 0.6% 2.5% 2.8% 87.7% 0.09% 0.13%

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 has been calculated as 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 ratio has been calculated as 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. Prior to November 2017, B&E Limited was registered under the name Bank of Us. 13. In January 2017, Intech Credit Union Limited merged with Bank Australia Limited. 14. Prior to December 2017, Bank First was registered under the name Victoria Teachers Mutual Bank. 15. In February 2018, My Credit Union merged with Beyond Bank Asutralia, which is registered under the name Community CPS Australia Ltd. 16. Trading as Illawarra Credit Union. 17. In September 2016, Quay Credit Union Ltd merged with G&C Mutual Bank Limited. 18. Prior to March 2018, Gateway Bank Ltd was registered under the name Gateway Credit Union. 19. Registered as Railways Credit Union Ltd. 20. Registered as EECU Limited. 21. Registered as Police & Nurses Ltd. 22. Registered as Australian Central Credit Union Limited. 23. Registered as QPCU Limited. 24. Registered as Qudos Mutual Ltd. 25. In April 2018, Queenslanders Credit Union merged with Queensland Country Credit Union. 26. Prior to September 2017, RACQ Bank was registered under the name QT Mutual Bank. 27. Registered as Community Mutual Limited. 28. Registered as Maitland Mutual Building Society Limited. 29. In June 2017, Bankstown City Unity Bank and Reliance Bank merged with Maritime Mining and Power Credit Union Ltd, to become Unity Bank Limited.

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