AUSTRALIAN UNITY LIMITED — AGM Information 2015

Oct 27, 2015

==> picture [720 x 274] intentionally omitted <==

Creating community value

==> picture [121 x 55] intentionally omitted <==

==> picture [384 x 405] intentionally omitted <==

Annual General Meeting

28 October 2015

==> picture [253 x 253] intentionally omitted <==

==> picture [122 x 55] intentionally omitted <==

Glenn Barnes Chairman

Creating community value | 2

175 years

==> picture [265 x 265] intentionally omitted <==

==> picture [122 x 55] intentionally omitted <==

Australian Unity celebrates its 175[th] birthday

Creating community value | 3

==> picture [253 x 253] intentionally omitted <==

==> picture [122 x 55] intentionally omitted <==

Glenn Barnes Chairman

Creating community value | 4

==> picture [253 x 254] intentionally omitted <==

==> picture [122 x 55] intentionally omitted <==

Rohan Mead Group Managing Director and CEO

Creating community value | 5

Our revenues

==> picture [335 x 289] intentionally omitted <==

----- Start of picture text -----

$1.40
$1.30
$1.21
$1.12
$1.01
----- End of picture text -----

==> picture [122 x 55] intentionally omitted <==

$1.40b

Revenues: comprise revenue and other income receipts (shown as the bottom section of the bar chart) as show in the statement of comprehensive income in the annual report plus life investment contract premium receipts (shown as the top section of the bar chart). The latter receipts are recorded as movements in benefit fund policy liabilities in the balance sheet and not through the statement of comprehensive income.

Creating community value | 6

Our operating earnings

==> picture [338 x 289] intentionally omitted <==

----- Start of picture text -----

$40.3
$35.4
$31.1
$28.8
$28.4
----- End of picture text -----

==> picture [122 x 55] intentionally omitted <==

$40.3m

Operating earnings: profit before tax attributable to members of Australian Unity less investment income, borrowing costs exclusive of accommodation bond interest reclassification and discontinued operations and business acquisition costs.

Creating community value | 7

Investment income

==> picture [122 x 55] intentionally omitted <==

2014 2015 $17.8m $24.3m

Creating community value | 8

Our financial position

==> picture [259 x 248] intentionally omitted <==

----- Start of picture text -----

$42.9
$35.4 $35.1
$27.8
$22.2
----- End of picture text -----

$42.9m

==> picture [122 x 55] intentionally omitted <==

==> picture [253 x 247] intentionally omitted <==

----- Start of picture text -----

$34.6
$29.4 $29.6
$25.6
$22.3
----- End of picture text -----

$34.6m

Creating community value | 9

Business growth

==> picture [265 x 265] intentionally omitted <==

==> picture [122 x 55] intentionally omitted <==

• $42 million invested in growth of key business areas including a number of strategic acquisitions

Creating community value | 10

Business Council of Australia and the Australian Unity health forum

==> picture [122 x 55] intentionally omitted <==

==> picture [265 x 265] intentionally omitted <==

• A forum on health reform that aims to start a new conversation about innovation in the health sector.

Creating community value | 11

Industry influence

==> picture [122 x 55] intentionally omitted <==

==> picture [265 x 264] intentionally omitted <==

• Australian Unity senior executives are engaged on boards and committees of 12 major industry bodies

• Engaging policymakers on aged care funding models, retirement savings, and corporate model structures

Creating community value | 12

==> picture [122 x 55] intentionally omitted <==

Home Care Service of NSW

==> picture [266 x 264] intentionally omitted <==

• Provides in-home care services to more than across 50,000 clients

• NSW

• Provides specialist care to the Aboriginal community

• 4,000 staff

Creating community value | 13

Flinders Australia Limited

==> picture [122 x 55] intentionally omitted <==

==> picture [265 x 265] intentionally omitted <==

• Provides trust and estate administration services

• Operates in Melbourne, Adelaide and Sydney

Creating community value | 14

==> picture [122 x 55] intentionally omitted <==

==> picture [265 x 265] intentionally omitted <==

Healthcare

Creating community value | 15

Healthcare results

Total segment revenues $828.3m

==> picture [39 x 78] intentionally omitted <==

5.0%

==> picture [122 x 55] intentionally omitted <==

Adjusted EBITDA 2014-2015 $56.2m*

==> picture [39 x 78] intentionally omitted <==

2013-2014 $43.6m

• Adjusted Earnings Before Interest, Tax, Depreciation and Amortisation (Adjusted EBITDA)

Creating community value | 16

Healthcare highlights

==> picture [122 x 55] intentionally omitted <==

• Joined 14 other not-for-profit and mutual health funds to launch Members Own Health Funds

• Achieved a strong growth rate of almost

• 4% in our corporate health fund–

• GU Health

• Acquired Physio Connect, which provides physiotherapy services to aged care facilities across Victoria and NSW

==> picture [263 x 248] intentionally omitted <==

Creating community value | 17

==> picture [423 x 274] intentionally omitted <==

==> picture [122 x 55] intentionally omitted <==

==> picture [344 x 222] intentionally omitted <==

Source: Australian Bureau of Statistics (2008) 2007 National Survey of Mental Health and Wellbeing: Summary of Results

Creating community value | 18

==> picture [122 x 55] intentionally omitted <==

==> picture [265 x 265] intentionally omitted <==

Retirement Living

Creating community value | 19

Retirement Living results

==> picture [122 x 55] intentionally omitted <==

Total segment revenues $106.8m

==> picture [39 x 78] intentionally omitted <==

19.7%

Adjusted EBITDA 2014-2015 $23.9m*

==> picture [39 x 78] intentionally omitted <==

2013-2014 $21.3m

• Adjusted Earnings Before Interest, Tax, Depreciation and Amortisation (Adjusted EBITDA)

Creating community value | 20

Retirement Living highlights

==> picture [122 x 55] intentionally omitted <==

• Almost doubled the revenue of its Home Care operations, due to small acquisitions and organic growth

==> picture [266 x 265] intentionally omitted <==

Creating community value | 21

Developments

==> picture [337 x 217] intentionally omitted <==

The Residences at Rathdowne Place, Carlton

Artist’s impression of Campbell Place, Glen Waverley

==> picture [346 x 203] intentionally omitted <==

Peninsula Grange Aged Care, Mornington

==> picture [324 x 162] intentionally omitted <==

Creating community value | 22

==> picture [122 x 55] intentionally omitted <==

==> picture [265 x 265] intentionally omitted <==

Investments

Creating community value | 23

Investments results

==> picture [122 x 55] intentionally omitted <==

Total segment revenues $107.2m

==> picture [40 x 78] intentionally omitted <==

3.9%

Adjusted EBITDA 2014-2015 $14.8m*

==> picture [40 x 78] intentionally omitted <==

2013-2014 $13.8m

• Adjusted Earnings Before Interest, Tax, Depreciation and Amortisation (Adjusted EBITDA)

Creating community value | 24

Investments highlights

==> picture [122 x 55] intentionally omitted <==

==> picture [266 x 265] intentionally omitted <==

• Funds under management, administration and advice grew 1.65 percent to $8.65 billion

• Big Sky Building Society increased its loans by 10.7 percent compared to 8.0 percent for the broader sector.

• Achieved a capital raising for the new Retirement Village Development Fund

• Expanded its presence in the mortgage fund market with the acquisition of Owenlaw Trust Limited

Artist’s impression of Rathdowne Place, The Residences

Creating community value | 25

==> picture [122 x 55] intentionally omitted <==

==> picture [265 x 265] intentionally omitted <==

Personal Financial Services

Creating community value | 26

Personal Financial Services results

==> picture [122 x 55] intentionally omitted <==

Total segment revenues $56.9m

==> picture [39 x 78] intentionally omitted <==

42.7%

Adjusted EBITDA 2014-2015 $3.9m*

==> picture [39 x 78] intentionally omitted <==

2013-2014 $2.3m

• Adjusted Earnings Before Interest, Tax, Depreciation and Amortisation (Adjusted EBITDA)

Creating community value | 27

Personal Financial Services highlights

==> picture [122 x 55] intentionally omitted <==

• Funds under advice increased 70.2 percent to $5.9 billion

• Acquired Premium Wealth Management and Waratah Insurance Brokers, and on 1 July 2015, completed the acquisition of Flinders Australia Limited

==> picture [266 x 265] intentionally omitted <==

Creating community value | 28

==> picture [720 x 274] intentionally omitted <==

Creating community value

==> picture [121 x 55] intentionally omitted <==

==> picture [375 x 405] intentionally omitted <==

Thank you

Please join us for refreshments