Basel III Pillar 3 Capital Disclosure

• Bank's capital ratios remain strong, with CET1 ratio of 11% and total capital ratio of 15.23%
• Liquidity coverage ratio (LCR) of 132.3% and net stable funding ratio (NSFR) of 115.9% demonstrate robust liquidity position
• Comprehensive overview of the bank's risk management approach and frameworks

Bendigo and Adelaide Bank has released its Basel III Pillar 3 disclosures for the period ended 30 June 2025. The report provides a comprehensive overview of the bank's risk management approach and frameworks, including its Group Risk Management Strategy, Internal Capital Adequacy Assessment Process, and emerging risk management processes. The bank's capital ratios remain strong, with a Common Equity Tier 1 (CET1) ratio of 11% and a total capital ratio of 15.23% as of June 2025. The bank's liquidity position is also robust, with a Liquidity Coverage Ratio (LCR) of 132.3% and a Net Stable Funding Ratio (NSFR) of 115.9%. The report also includes detailed disclosures on credit risk, counterparty credit risk, securitisation, market risk, credit valuation adjustment risk, operational risk, interest rate risk in the banking book, and liquidity risk management. The bank's Chief Financial Officer and Chief Risk Officer have attested to the reliability of the disclosures, which have been prepared in accordance with relevant policies, internal processes, systems, and controls, and have been verified and approved through internal governance procedures.