ASX Announcement

onlyDigital Transformation Market Briefing - Presentation and script

26 November 2021

useAppended is the Bendigo and Adelaide Bank Limited (ASX:BEN) presentation and script for the market briefing on the Bank's digital transformation today at 10am (Australian Eastern Daylight Time).

Approved for release by: Marnie Baker (Chief Executive Officer and Managing Director)

personal

For

Investor enquiries

Media enquiries

Lauren Andrews, Acting Head of Public Relations

Karen McRae, Head of Investor Relations

p 03 5485 7109 m 0407 340 283

p 08 8414 7060 m 0417 186 500

e lauren.andrews@bendigoadelaide.com.au

e karen.mcrae@bendigoadelaide.com.au

About Bendigo and Adelaide Bank Limited

Bendigo and Adelaide Bank is Australia's better big bank, with more than 7,000 staff helping our over 2 million customers to achieve their financial goals. Bendigo and Adelaide Bank's vision is to be Australia's bank of choice, by feeding into the

prosperity of customers and their communities.

only Market Briefing

useDigital Transformation

ersonal26 November 2021

only

Welcome

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Our Strategy

Agenda

ersonal

Digital Transformation

Up

Q&A

Marnie Baker

Managing Director

Ryan Brosnahan

Chief Transformation Officer

Xavier Shay

Chief Executive

Officer, Up

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Our strategy

Shaping the future of banking

Vision

Purpose

Imperatives

Australia's

To feed into prosperity,

Reduce complexity

bank of choice

not off it

Invest in capability

Tell our story

Customer Centric

Customer

Growth &

Operating Model

Value Proposition

Transformation Strategy

Digital by design, human

Based on trust,

Propelled by human,

when it matters

authenticity, knowledge,

digital and community

expertise, connection and

connections

personalised relationships

For our customers, people, partners, communities and shareholders

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Reimagining banking

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Innovationand partnerships

Executing

digital transformation

Changing

customer expectations

Delivering newways of banking

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Disclaimer

Bendigo and Adelaide Bank Limited published this content on 25 November 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 25 November 2021 22:49:02 UTC.