MyState (MYS) investor relations material

Opening remarks and agenda

• AGM held 20 Oct 2026 at The Westin Brisbane and online; proceedings opened with a quorum of at least 25 members, with business and voting conducted through polls.

• Formal business included receiving the FY2026 financial statements, director re-elections, the advisory remuneration report vote and approval of CEO performance rights.

Financial performance review

• Underlying NPAT rose 41.2% to $58.3m; statutory NPAT was $56.2m, and underlying EPS rose 11.7% to 34.3 cps.

• Cost-to-income ratio improved to 66.5%; CET1 was 11.6% and total capital ratio 15.8% at 30 June 2026.

• Total loan book reached $14.0bn, up 7.2%; home lending grew 5.8% to $13.6bn, while deposits increased 4.0% to $10.6bn.

• 90-day arrears fell to 0.32% from 0.44%; higher-return businesses contributed 11.3% of Group profit, versus 6% in FY2025.

• Total shareholder return, including dividends, was 14.3% for FY2026, compared with 6.2% for the ASX 300.

Board and executive committee updates

• Sandra Birkensleigh was thanked for 10 years of service to the Auswide and MyState boards, including contributions to the merger.

• Sibylle Krieger was to retire at the AGM’s conclusion after 10 years; she chaired the Group People, Remuneration and Nominations Committee and most recently the Group Risk Committee.

• Warren Lee and Andrea Waters stood for re-election; the board unanimously endorsed both. Waters sought a two-year term for succession planning.