Announcement PDF FY26 Results Investor Presentation For the year ended 30 June 2026 25 August 2026 Agenda FY26 Results – Investor Presentation 01 Overview of FY26 Brett Morgan Managing Director & CEO 02 Financial Results Gary Dickson CFO 03 Summary Brett Morgan Managing Director & CEO 04 Appendix Additional FY26 information 2 01 Overview of FY26 Brett Morgan Managing Director & CEO FY26 k ey highlights FY26 Results – Investor Presentation 4 Strong earnings growth; integration delivering; improved earnings mix • Underlying NPAT up 41.2% to $58.3m (Statutory NPAT up 58.0% to $56.2m) • Growth delivered across key business lines and retail banking momentum improved • Higher-return businesses increased contribution to 11% of underlying NPAT (FY25: 6%).​ • Integration delivered $11.8m of run-rate synergies ; all major integration decisions made • Underlying EPS up 11.7% to 34.3 cps • Fully franked, final dividend 12.5 cents per share (cps); full year dividends 24.5 cps (+3.0 cps on FY25) *FY25 includes earnings of Auswide Bank for the period from 19 February to 30 June 2025. Financial and operating performance FY26 Results – Investor Presentation 5 UNDERLYING EARNINGS PER SHARE 34.3 cps +11.7% on pcp UNDERLYING NPAT $58.3m +41.2% onpcp Statutory NPAT $56.2m FINAL DIVIDEND 12.5 cps +1.5 cps on pcp EARNINGS MIX 11.3% of Group profit from higher -return businesses vs 6% in FY25 TOTAL LOAN BOOK $14.0b +7.2% on pcp CUSTOMER DEPOSITS $10.6b +4.0% on pcp FY26 execution priorities FY26 Results – Investor Presentation 6 Home lending $13.6b Portfolio +5.8% growth Customer deposits $10.6b Portfolio +4.0% growth Equipment finance $371m Portfolio +134% growth Trustee Services funds $560m FUA +17.6% Managed funds $970m FUM Steady Delivering against our FY26 priorities resulted in stronger earnings, greater scale and improved strategic positioning The merger is delivering value FY26 Results – Investor Presentation 7 Run rate synergies of $11.8m; integration execution remains on track; FY28 synergy target unchanged Delivered Single banking license 158 integration initiatives $11.8m run rate synergies In progress Single loan origination system Single core banking platform Single retail bank brand Operating model optimisation Expected future value $20 - $25m of run rate synergies by end FY28 Double -digit EPS accretion* Enhanced capability to pursue inorganic growth * EPS accretion on a full run -rate synergy basis (FY24 baseline of 32.0 cps). 02 Financial results Gary Dickson CFO FY26 financial overview 9 Double digit earnings growth; key metrics trending positively Financial Metric FY26 FY25 FY26 v FY25 2H26 v 1H26 Total operating income ($m) 255.9 186.6 37.1% ▲ 4.5% ▲ Total operating expenses ($m) 170.1 1 27.0 33.9% ▲ 1.9% ▲ Core earnings ($m) 1 2 85.8 59.6 43.9% ▲ 10.0% ▲ Underlying net profit after tax ($m) 2 58.3 41.3 41.2% ▲ 6.8% ▲ Statutory net profit after tax ($m) 56.2 35.6 58.0% ▲ 6.0% ▲ Underlying earnings per share (cps) 2 34.3 30.7 11.7% ▲ 6.3% ▲ Statutory earnings per share (cps) 33.1 26.4 25.4% ▲ 5.5% ▲ Net interest margin (%) (annualised) 1.50 1.47 +3 bps ▲ +8 bps ▲ Bank cost -to-income ratio (%) 2 3 65.7 67.3 -162 bps ▼ -211 bps ▼ Group cost -to-income ratio (%) 2 66.5 68.0 -156 bps ▼ -170 bps ▼ Dividend –fully franked (cps) 4 24.5 21.5 +3.0 cps ▲ +0.5 cps ▲ Balance sheet, capital and funding Metric 30 Jun 26 30 Jun 25 30 Jun 26 v 30 Jun 25 Customer deposits ($b) 10.6 10.1 4.0% ▲ Home loan book ($b) 13.6 12.9 5.8% ▲ Group Total assets ($b) 16.1 15.3 5.3% ▲ Group Total liabilities ($b) 15.3 14.5 5.5% ▲ Underlying ROE (%) 2 7.9 7.3 60 bps ▲ Underlying ROTE (%) 2 9.7 8.9 80 bps ▲ Capital – CET1 (%) 11.6 11.9 -31 bps ▼ Capital – Total (%) 15.8 17.5 -168 bps ▼ MLH ratio (%) 12.4 13.8 -133bps ▼ Moody’s Baa3 (MyState Limited), Baa2 ( MyState Bank) Fitch BBB+ (MyState Limited, MyState Bank) Note: Financial performance figures compare FY26 to FY25 as the prior corresponding period ( pcp ) and 2H26 to 1H26 as the prior period (pp). Balance sheet and capital figures compare 30 June 2025 as pcp . A number of figures, amounts, percentages, estimates, calculations of value and fractions in this presentation are subject to the effect of rounding. Accordingly, the actual calculation of these figures may differ from the figures set out in this presentation and totals may var y slightly due to rounding. 1. Operating profit before bad & doubtful debt expense and income tax expense. 2. Excludes merger related transaction and integration costs. 3. Combined cost to income ratio for MyState Bank (including Auswide and Selfco ). 4. Final dividend of 12.5 cps payable to shareholders on the register at the record date of 31 August 2026. FY26 Results – Investor Presentation Full year Underlying and Statutory NPAT FY26 Results – Investor Presentation 10 FY26 profit driven by increased scale and the achievement of year 1 integration synergies • Underlying NPAT up 41.2% on pcp , up 22% on a pro forma basis • Net interest income up 37.4% reflecting a larger average balance sheet and improved NIM • Other banking income up 58.3% on higher lending, transaction fees and commission revenue • Wealth management income up 11.2% due to higher trustee services income and loan establishment fees • Total operating costs increased 33.9% primarily due to the larger merged Group cost base, up 0.8% on a pro forma basis Net profit after tax ($m) 41.3 58.3 56.2 58.6 9.0 1.6 43.1 3.6 5.5 2.1 FY25 Underlying NPAT Net interest income Other banking income Wealth management income Operating expenditure Net bad and doubtful debts Income tax expense FY26 Underlying NPAT Merger related costs FY26 Statutory NPAT 1 1. Includes the post -tax impact of merger related integration costs ( -$4.5m) and fair value adjustments ($2.4m) 1.47% 1.50% 0.27% 0.06% 0.39% 0.28% 0.32% 0.05% 0.00% 0.05% FY25 Asset yield Asset mix Origination & Hedging Costs Funding cost Funding mix Benefit of interest free liabilities & capital FY26 Net interest margin FY26 Results – Investor Presentation 11 NIM increased 3 bps to 1.50% in FY26 • Net interest margin up 3 bps year on year • NIM 2H26: 1.54% vs. 1H26: 1.46% (up 8 bps) • Key themes for FY26 o Growing contribution from equipment finance business o Higher RBA cash rate profile supportive o Liquidity and funding benefits from single banking license o Exit NIM higher than average NIM • Key themes for FY27 o Weaker system credit growth expected o Equipment finance business contribution 1.45% 1.47% 1.50% FY24 FY25 FY26 Average NIM trend 1. FY25 includes Auswide Bank from 19 February to 30 June 2025. Origination cost represents upfront broker commission amortised over the average life of a loan. Offset account balances are netted within average interest earning assets. NIM waterfall 1 Increase Decrease Origination costs Operating costs FY26 Results – Investor Presentation 12 Underlying expenses well managed • The increase in expenses, including people and technology costs, primarily reflects the inclusion of Auswide Bank for the full period vs 4 ½ months in FY25 • Group cost to income improved by 156 basis points • On a pro forma basis underlying expense growth was broadly offset by realised synergies; expenses increased 0.8% on FY25 23.6 34.4 39.7 40.8 39.9 39.6 13.7 19.5 22.5 21.6 23.1 23.2 13.0 17.0 19.7 20.5 17.7 18.4 2.4 3.4 2.3 3.0 3.3 3.6 52.7 74.3 84.2 85.9 83.9 84.8 1H25 2H25 1H26 2H26 1H25 pro forma 2H25 pro forma Personnel costs Other Technology Marketing 127.0 170.1 0.5 22.5 10.2 10.9 FY25 Personnel Marketing Technology Other FY26 Operating costs ($m) 1 Operating costs breakdown ($m) 1 1. Operating costs exclude merger related transaction and integration costs. FY25 includes Auswide Bank from 19 February to 30 June 2025 Operating expense walk (FY25 pro forma to FY26) $m FY25 (pro forma) operating expenses 168.7 Add: Full year impact for Selfco (vs. 10 months in FY25) 0.6 Add: estimate of CPI related uplift (c.5%) 8.4 Add: investment in higher returning business lines & capability 3.1 Less: realised synergies (10.7) FY26 operating expenses 170.1 Decrease Increase Synergies and integration costs FY26 Results – Investor Presentation 13 Integration on track. Target run -rate synergies at end of FY28 unchanged at $20 –25m pa Synergies • FY26 realised synergies $10.7m, equates to +4.4 cps of earnings • Run-rate synergies at end of FY26: $11.8m Integration • FY26 Integration costs in FY26 equates to -2.7 cps of earnings • Increase in estimated integration cost from $29m to $32m, driven by: o decision to implement a modern, AI -enabled core banking platform in partnership with MyState Bank’s long term core banking provider, TCS o small adjustment for higher inflation across staff and vendor costs • A portion of the additional investment will now be capitalised o integration costs recognised in profit and loss over the three - year program reduces from $29m to $26m $m FY25 actual realised FY26 actual realised FY27 forecast run rate* FY28 forecast run rate* Synergies 1.8 10.7 14 -16 20 - 25 $m Integration Total* FY25 Actual FY26 Actual FY27 Forecast* FY28 Forecast* Integration costs 32 2 7 14 9 Comprising: Opex 26 2 7 11 6 Capex 6 - - 3 3 * Single point, best estimate at 30 June 2026 0.00% 0.40% 0.80% 1.20% Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 MyState Group SPIN Majors SPIN Regionals 6.1 10.2 10.6 0.4 0.6 0.7 0.7 1.0 1.0 0.8 1.1 1.3 8.0 12.9 13.6 Jun 24 Jun-25 Jun 26 <80% LVR 80-85% LVR 85-90% LVR >90% LVR Quality home loan book FY26 Results – Investor Presentation 14 Strong settlements in the second half • $13.6b home loan portfolio • 2H applications up 16% and settlements up 41% on 1H • Continued focus on low -risk, owner -occupied lending • Actively managing the volume/margin trade -off • Portfolio LVR (at origination) of 63.9% (30 June 2026) • 90+ day arrears 0.32%, below industry average Home loan book LVR profile ($b) 77% 23% 76% 24% >90% 80% - 85% 85%-90% <80% Home loan book – applications and settlements by half ($b) 2.4 2.9 3.4 1.4 1.5 2.1 Jun-25 Dec-25 Jun-26 Applications Settlements 90+ days S&P arrears data 0.32% 69.1% 70.8% 69.9% 8.9% 9.8% 10.1% 22.0% 19.4% 20.0% Jun-24 Jun-25 Jun-26 Customer deposits Wholesale funding Securitisation Diversified funding mix FY26 Results – Investor Presentation 15 Strong deposit gathering capability • Customer deposit ratio stable at 70% • Deposit gathering capability across digital, branch and partnerships • New digital savings product launched in December, supporting customer deposit growth • Issued MyState’s largest senior unsecured floating rate note in April 2026 ($250m) • Securitisation remains an important source of funding and provides additional capital flexibility Customer deposits ($b) Funding mix (%) 2.8 5.4 5.5 3.1 4.7 5.1 5.9 10.1 10.6 Jun-24 Jun-25 Jun-26 Customer deposits at term Customer deposits at call Well capitalised for growth FY26 Results – Investor Presentation 16 Transition to a single banking license supports capital management efficiency • MyState remains well capitalised , with strong organic capital generation • Total capital ratio of 15.8% at 30 June 2026 • Reduction in total capital ratio follows the issue of Tier 2 capital notes in May 2025 ($100m) and then redemptions in July 2 025 ($25m), September 2025 ($12m) and May 2026 ($15m) (impact c. -106 bps) • Capital position provides flexibility to further invest in key initiatives including lending growth Capital Decrease CET1 capital Increase AT1 capital Tier 2 capital 11.88% 11.57% 1.36% 0.69% 1.18% 1.08% 1.32% 4.27% 1.21% 0.83% 0.43% 2.94% Jun-25 Capital actions Securitisation activity Profit Dividends paid Secured mortgage lending Intangibles and other assets Jun 26 17.51% 15.83% 478 476 560 Jun-24 Jun-25 Jun-26 TPT Wealth providing income diversification FY26 Results – Investor Presentation 17 Continued growth in FY26 TPT trustee services FUA ($m) • TPT operating income increased 10.9% on pcp to $16.4m benefitting from improved business performance across trustee services, lending and funds • Trustee Services FUA rose 17.6% to $560m primarily due to growth in compensation trusts • Managed Funds FUM steady • NPAT contribution of $2.7m for the full year, up 12.5% 996 969 970 Jun-24 Jun-25 Jun-26 Operating income ($m) 1 TPT managed funds FUM ($m) 8.3 8.4 8.5 7.4 6.4 7.9 15.7 14.8 16.4 FY24 FY25 FY26 Investment services Trustee services 1. Investment Services includes interest income on cash balances 0.7 1.0 1.7 0.3 0.4 0.5 Feb-25 June-25 Jun-26 Selfco revenue per month Selfco costs per month 111 158 371 Feb-25 Jun-25 Jun-26 Selfco providing lending diversification FY26 Results – Investor Presentation 18 Strong book growth Selfco loan book ($m) About Selfco • Finances business critical assets used to generate cash flow • Operating in a $40 billion equipment finance market • Average loan size $80,000 • Nationally distributed through broker network • Higher margin business Business performance • FY26 book growth of 134% and 235% since merger • Revenue and cost profile improving as book grows • Full year NPAT contribution of $3.9m • Low arrears (90+ days 0.24%) Monthly Selfco revenue and operating costs ($m) 10.5 12.0 11.0 12.5 FY25 FY26 Interim Final Final dividend 12.5 cps fully franked FY26 Results – Investor Presentation 19 Dividend up 1.5 cps on FY25 final • Dividend policy targets a payout ratio of 60 – 80% of NPAT • Total FY26 dividends up 3.0 cps on FY25 • Second half payout ratio 70.8% on an Underlying NPAT basis. • Full year dividend payout ratio 71.5% on an Underlying NPAT basis (74.1% on a Statutory NPAT basis) • DRP to be activated at a discount of 1.5% for the FY26 Final dividend FY26 Final dividend 2H Statutory 2H Underlying 12.5 cps 73.7% 70.8% Total dividend FY Statutory FY Underlying 24.5 cps 74.1% 71.5% Dividend payout ratio based on profit type Dividends – fully franked per share (cps) 03 Summary Brett Morgan Managing Director & CEO Looking ahead Business priorities • Profitably grow home lending and customer deposits • Scale the equipment finance book • Grow funds and private trustee services businesses • Explore inorganic opportunities that deliver shareholder value Integration priorities • Single loan origination system • Single core banking system • Single retail bank brand • Optimise operating model • Deliver target synergies FY26 Results – Investor Presentation 21 Business and integration priorities remain unchanged MyState’s investment case FY26 Results – Investor Presentation 22 Integration upside $11.8m run rate synergies delivered $20 -25m FY28 run -rate synergy target unchanged. Improved earnings mix 11.3% of NPAT Faster growing, higher - returning businesses are now a larger contributor. Capital flexibility 15.8% total capital Provides foundation to fund growth and strategic priorities . Track record of profitability and fully franked dividends FY26 demonstrates that the merger thesis is delivering; earnings have grown, execution is on track and the next phase of value creation is visible Diversified, growing business 4 business lines Growth across retail banking, equipment finance, managed funds and trustee services . 04 Appendix Additional FY26 information 23 MyState Limited (MYS) is a diversified financial services group which listed in September 2009 following the merger of MyState Financial, an authorised deposit -taking institution, and TPT Wealth, a trustee and wealth management company, MYS is an ASX 300 company, led by an experienced Board and Management team. It has a strong and flexible balance sheet and is currently trading on a fully franked dividend yield of ~5.0%. In February 2025, MYS merged with Auswide Bank and is a leading provider of banking, trustee, equipment finance and wealth management services. MYS services its customers through MyState Bank, Auswide Bank, Selfco and TPT Wealth. Lending |Deposits |Transactions Banking Lending |Deposits |Transactions Banking 1. Market capitalisation as at 24 August 2026 based on closing MyState share price ($ 4.70) Size and ownership • Market capitalisation of c. $801m1 • Shareholder base of approximately 62,000 Credit ratings • Moody’s • Fitch Baa3 (MyState Limited), Baa2 ( MyState Bank) BBB+ (MyState Limited, MyState Bank) Lending Equipment financing MyState is a diversified financial services group FY26 Results – Investor Presentation 24 Funds management |Trustee services Wealth Social impact: customer, community and culture FY26 Results – Investor Presentation 25 Our social licence to operate is strengthened by high customer advocacy, trusted digital services, engaged employees and meaningful community investment Customers +60 NPS Digital trust 97% of transactions completed digitally Our people 71% employee engagement score Community 19 community programs supported Strong customer advocacy and trust. Supporting customers through cost -of-living pressures. Investing in digital capability, cyber security and fraud prevention. Focus on culture, leadership capability and employee experience, with women representing 56% of leadership positions across the Group Local partnerships, supporting youth, vulnerable Australians and regional communities. FY26 Underlying to Statutory profit reconciliation Banking group (incl. Selfco ) TPT Wealth Corp. & Consol. MyState Group Underlying NPAT ($m) 1 55.2 2.7 0.4 58.3 Integration costs ($m) 2 (4.2) - (0.3) (4.5) Purchase Price Allocation ($m) 2 2.4 - - 2.4 Statutory NPAT ($m) 53.4 2.7 0.1 56.2 Estimated Purchase Price Allocation profile ($m) 2 FY26: $2.4m FY27 to FY29: $0.4m p.a. FY30: ($0.2m) FY31 to FY35: ($1.3m p.a.), Purchase Price Allocation: t he key merger related fair value adjustments made in accordance with Australian accounting standards were: Impact on net assets Impact on NPAT - Write-off of deferred mortgage broker commissions ($m) (12.4) Write-back over 5 years - Recognition of a Core deposit intangible asset ($m) 18.5 Amortise over 10 years - Recognition of the Fair value of deposits ($m) (4.6) Write-back over 1 year Total expenses to operating expenses reconciliation FY26 FY25 Total expenses ($m) 177.2 133.4 Less: Impairment expense ($m) (4.1) (0.5) Less: Integration and transaction costs ($m) (6.4) (7.5) Add. PPA (included in Administration costs) ($m) 3.4 1.6 Total operating expenses ($m) 170.1 127.0 1. Excludes impact of merger related integration costs . 2. Post tax at a rate of 30% where applicable. FY26 Results – Investor Presentation 26 Pro forma Underlying NPAT for FY25 MyState Bank Auswide Bank (pro forma) 2 TPT Wealth Corp. & Consol. MyState Group Total operating income ($m) 139.5 85.1 14.8 0.1 239.5 Total operating expenses ($m) 93.3 64.0 11.3 0.1 168.7 Core earnings ($m) 1 46.2 21.1 3.5 - 70.8 Underlying NPAT ($m) 1 32.7 12.6 2.5 - 47.8 Net interest margin (%) 1.45% 1.53% n/a n/a 1.48% Cost to income ratio (%) 1 66.9% 75.2% 76.3% n/a 70.4% Total capital ratio (%) 18.3% 17.3% n/a n/a 17.5% Core earnings ($m) 1 - Pre merger (c. 8-months) 11.2 - Post merger (c. 4 -months) 9.9 Underlying NPAT ($m) 1 - Pre merger (c. 8-months) 6.5 - Post merger (c. 4 -months) 6.1 1. Excludes impact of merger related transaction and integration costs . 2. Includes a 12 -month contribution to NPAT on a pro forma basis. The FY25 pro forma results for the merged entity includes 12 months of earnings from Auswide Bank Pro forma operating income and expenses in FY25 form a baseline for the merged Group. Amounts have been restated from those d isclosed in the FY25 Investor Presentation to align Auswide Bank results with the classification methodology adopted by MyState for broker commission expense and some payment system costs. The reclassification reduces both operating i ncome and operating expenses for Auswide Bank by $14.0m. FY26 Results – Investor Presentation 27 10.0 10.2 10.6 2.0 1.9 1.8 0.1 0.1 0.1 0.8 0.7 0.9 12.9 12.9 13.6 Jun-25 Dec-25 Jun-26 Own. Occ. P&I Inv. P&I Own. Occ. I/O Inv. I/O • Growth driven by lower risk owner occupied P&I lending with LVR <80% • Variable rate lending as a proportion of total flow remained above 95% • Improved run-off rates in second half but remain elevated compared to long run averages (a sector wide challenge) Group home loan book Group home loan book composition ($b) NSW 17.5% | 17.4% NT 0.3% |0.3% SA 1.7% | 2.0% WA 4.5% |5.1% QLD 33.2% |31.6% TAS 20.1% |19.4% ACT 1.5% | 1.4% June 2025 June 2026 VIC 21.2% | 22.8% Concentration Low High Home loan concentration by state FY26 Results – Investor Presentation 28 • Credit quality remains strong, with the Group’s 90+ days home loan arrears improving over the year from 0.44% to 0.32% at 30 June 2026, well below sector averages • An increase of $2.7m in the collective provision reflects growth of the Selfco portfolio and an uplift in the forward looking economic overlay • Forward looking economic overlay of $3.7m represents 26% of the total collective provision (June 2025: 17%) • Overall uplift in provision coverage ratios reflecting a more challenging economic outlook Prudent loan provisioning 0.27% 0.32% 0.09% 0.10% Jun 25 Jun 26 % of Credit RWA % of Gross Loans 8.1 10.5 1.3 1.4 2.3 2.6 11.7 14.4 Jun-25 Jun-26 Stage 1 Stage 2 Stage 3 9.7 10.7 2.0 3.7 11.7 14.4 Jun-25 Jun-26 Collective provision Forward overlay FY26 Results – Investor Presentation 29 Collective credit provisions ($m) Total collective provisions ($m) Total provision coverage ratio Assumptions FY27 FY28 Unemployment (year ended) Base Case 4.40% 4.70% Moderate Recovery 3.70% 3.50% Moderate Recession 5.10% 5.60% Cash Rate (year ended) Base Case 4.60% 4.60% Moderate Recovery 4.85% 4.85% Moderate Recession 3.60% 2.85% House Prices ( yoy movement) Base Case -5.0% 0.0% Moderate Recovery 0.0% 5.0% Moderate Recession -5.0% -5.0% Forward looking economic overlay assumptions • Forward looking overlay increased to $3.7m (June 2025: $2.0m) • The key assumptions used to determine the overlay reflect: ✓ a more challenging geopolitical and macroeconomic outlook ✓ a minor deterioration in employment markets ✓ negative house price sentiment due to the expected impact of the 2026 Federal government Budget on the investor segment ✓ higher for longer inflation and interest rates • Scenario weightings revised to 50% base case, 30% moderate recession and 20% moderate recovery, with more conservative assumptions relative to June 2025. Scenario weightings 20% 50% 30% June 2026 Moderate recovery Base case Moderate recession June 2025 10% 40% 50% FY26 Results – Investor Presentation 30 Capital, stock and flow metrics Stock metrics Jun-26 1 Dec -25 1 Jun-25 2 Broker 83% 81% 84% Proprietary 17% 19% 16% Owner occupied 80% 80% 81% Investor 20% 20% 19% Principal & Interest 92% 94% 95% Interest only 8% 6% 5% Variable 95% 96% 97% Fixed 5% 4% 3% LMI 12% 13% 14% Flow metrics Jun-26 12 months Dec -25 1 6 months Jun-25 2 12months Broker 90% 89% 90% Proprietary 10% 11% 10% Owner occupied 79% 81% 81% Investor 21% 19% 19% Principal & Interest 83% 87% 91% Interest only 17% 13% 9% Variable 96% 98% 98% Fixed 4% 2% 2% LMI 7% 13% 11% By state (% of flow): NSW 19% 18% 18% QLD 27% 27% 21% TAS 16% 18% 25% VIC 26% 25% 27% Other states 12% 12% 9% 30-Jun-26 30-Jun-25 Movement CET1 capital ratio 11.57% 11.88% -0.31% Tier 1 capital ratio 12.89% 13.24% -0.35% Total capital ratio 15.83% 17.51% -1.68% 30-Jun-26 31 -Dec -25 30-Jun-25 Movement (Jun 26 – Jun 25) % $m $m $m $ m Qualifying capital Common equity tier 1 capital (CET1) Ordinary share capital 500.68 497.32 494.99 5.69 1% Retained earnings 279.98 268.89 267.95 12.03 4% Accumulated other comprehensive income (and other reserves) 0.07 0.07 (0.36) 0.43 (120%) Total common equity Tier 1 capital 780.73 766.28 762.58 18.15 2% Less: Regulatory capital adjustments Goodwill (incl. core deposit intangible) 91.11 91.75 80.05 11.06 14% Deferred tax assets 6.19 6.14 7.68 (1.49) (19%) Cash flow hedge reserve - 1.50 0.49 (0.49) (100%) Capitalised expenses 69.54 63.32 64.22 5.32 8% Investments in controlled entities 38.68 38.68 38.91 (0.23) (1%) Other adjustments 6.99 7.25 10.52 (3.53) (34%) Total regulatory adjustments 212.52 209.13 201.87 10.65 5% Net common equity tier 1 capital 568.21 557.15 560.71 7.50 1% Additional tier 1 capital 64.64 64.51 64.37 0.27 0% Total Tier 1 capital 632.86 621.66 625.08 7.78 1% Tier 2 capital Subordinated notes (ii) 144.56 159.46 196.81 (52.25) (27%) General reserve for credit losses - 4.76 4.76 (4.76) (100%) Total Tier2 capital 144.56 164.22 201.57 (57.01) (28%) Total capital 777.42 785.87 826.65 (49.23) (6%) Credit risk weighted assets 4,464.79 4,240.92 4,296.08 168.71 4% Operating risk 446.48 419.72 425.56 20.92 5% Total risk weighted assets 4,911.26 4,660.64 4,721.64 189.62 4% FY26 Results – Investor Presentation 31 1. Comprises MSB and AWB as a single ADI. 2. Comprises MSB only. 1H:First half of financial year 2H: Second half of financial year ADI: Authorised deposit -taking institution APRA: Australian Prudential Regulation Authority Avg: Average ASX: Australian Securities Exchange AWB: Auswide Bank BBSW: Bank Bill Swap Rate BDD: Bad & Doubtful Debt Expense bps: Basis points CAGR: Compounded annual growth rate CET1: Common Equity Tier 1 cps: Cents per share CTI: Cost -to-income ratio DRP: Dividend reinvestment plan EPS: Earnings per share FHLDS: First home loan deposit scheme FUM: Funds under management FY: Financial year FYTD: Financial year to date GLA: Gross Lending Assets GRCL: General Reserve for Credit Losses HY: Half year IO: Interest only IRB: Internal ratings -based JAWS: Relationship between income and expense growth LT: Long term LVR: Loan to valuation ratio MYS: MyState Limited MSB: MyState Bank Limited MLH: Minimum liquidity holdings NII: Net Interest Income NIM: Net interest margin NPAT: Net profit after tax NPBT: Net profit before tax OCR: Official Cash Rate (RBA) PCP: Previous corresponding period PPA: Purchase Price Allocation RBA: Reserve Bank of Australia RMBS: Residential mortgage -backed security ROE: Return on equity ROTE: Return on tangible equity RWA: Risk Weighted Assets SaaS: Software as a Service S&P: Standard and Poor’s SPIN: Standard and Poor’s Performance Index Stage 1: Performing loans (31 -60 days arrears) Stage 2: Under -performing loans (61 -89 days arrears) Stage 3: Non-performing loans (90+ days arrears) ST: Short term TD: Term deposit TFF: Term Funding Facility TPT: TPT Wealth Limited FY26 Results – Investor Presentation 32 Glossary Summary information The material in this Presentation is general background information about MyState Limited (ABN 26 133 623 962) and its activities current as at the date of this Presentation. The information is given in summary form and does not purport to be complete or comprehensive. It should be read in conjunction with MyState’s other periodic and continuous disclosure announcements lodged with the Australian Securities Exchange, which are available at www.asx.com.au . Not an offer Nothing in this Presentation should be construed as either an offer to sell or a solicitation of an offer to buy or sell MyState securities. It is for information purposes only. Not financial product advice This Presentation is for general information purposes only. It is not financial product advice and should not be relied upon for investment purposes. It has been prepared without taking into account any investor’s objectives, financial position, situation or needs. It does not purport to summarise all information that an investor should consider when making an investment decision. Therefore, before making an investment decision, investors should consider the appropriateness of the information in this Presentation and have regard to their own objectives, financial situation and needs. Investors should seek such financial, legal or tax advice as they deem necessary or consider appropriate. MyState is not licensed to provide financial product advice in relation to the offer of shares. Financial information All information in this Presentation is in Australian dollars ($) unless stated otherwise. A number of figures, amounts, percentages, estimates, calculations of value and fractions in this presentation are subject to the effect of rounding. Accordingly, the actual calculation of these figures may differ from the figures set out in this Presentation and totals may vary slightly due to rounding. All references to financial years (FY) appearing in this Presentation are to the financial years ended on 30 June of the indicated year. All figures are presented on an accruals basis unless otherwise stated. Past performance not indicative of future performance Past performance information, including past share price information, should not be relied upon as (and is not) an indication of future performance. To the extent that such information is included in this Presentation, it is given for illustrative purposes only. Forward looking statements This Presentation may contain “forward -looking” statements including statements regarding MyState’s intent, belief or current expectations with respect to their business operations, market conditions, results of operations, financial conditions, and risk management practices. Forward -looking statements can generally be identified by the use of forward -looking words such as “anticipated”, “expected”, “aim”, “predict”, “projections”, “guidance”, “forecast”, “estimates”, “could”, “may”, “target”, “consider”, “will”, “believe”, “schedule”, “seek” and other similar expressions. Indications of, and guidance on, future earnings, financial performance, and financial position are also forward -looking statements . Forward looking statements, opinions and estimates are based on assumptions, information and contingencies at the time of this Presentation and are subject to certain risks uncertainties and change without notice, as are statements about market and industry trends, which are based on interpretations of current market conditions. Forward -looking statements including projections, indicat