Bendigo and Adelaide Bank Investor Relations Material

Bendigo and Adelaide Bank Limited provides banking and financial products and services to retail customers in Australia. It operates through the following segments: Personal Banking, Business Banking, Wealth Management, Insurance Broking; Institutional Banking; Corporate and Asset Management, International Banking; and Other. The company offers personal banking products comprising home loans, credit cards, personal loans, and personal deposit accounts comprising transaction and savings accounts; business banking products comprising technology lending, cash management services, commercial facilities financing, working capital finance, invoice discounting services, asset financing arrangements with Australia Post, working capital finance for small businesses as well as property investment and commercialisation activities. It also provides wealth management products comprising advice and planning for growth strategies in superannuation and wealth accumulation strategies. In addition, the company offers insurance broking services that include broking of general insurance products to customers underwritten by various Australian-based general insurance companies; corporate agency activities to assist institutional customers with buying or selling a wide range of financial contracts; clearing house facilities; custodian services for securitised assets; implementation of hedge funds/alternative investment strategies; cross-border listing of Australian companies on global exchanges.