ClearView Investor Presentation Year Ended 30 June 2024

FY24 Result – Management View Wealth Management – Discontinued Operation

%

2021

2022

2023

2024

FY24 Change 2

1H

2H FY21

1H

2H FY22

1H 2H FY23

1H 2H 3

Wealth Management Profit or Loss 1

31.0

29.9

21.3

16.4

Fund management fees

15.5

15.5

16.0

13.9

10.9

10.5

10.0

6.4

(23%)

0.4

0.0

0.7

0.6

Interest Income

0.1

0.3

0.0

0.0

0.5

0.2

0.4

0.2

(14%)

(5.3)

(4.1)

(2.8)

(1.5)

Commission & Other External

(2.5)

(2.7)

(2.2)

(1.9)

(1.4)

(1.4)

(1.3)

(0.2)

(46%)

(8.6)

(8.1)

(5.6)

(4.5)

Funds management expenses

(4.3)

(4.3)

(4.2)

(3.9)

(2.8)

(2.8)

(2.7)

(1.8)

(20%)

(16.9)

(17.9)

(17.4)

(17.8)

Operating expenses

(8.3)

(8.7)

(8.1)

(9.8)

(8.5)

(8.9)

(9.0)

(8.8)

2%

0.2

0.2

1.2

2.0

Income tax (expense) / benefit

0.1

0.1

(0.3)

0.4

0.5

0.7

0.8

1.2

67%

Wealth Management Underlying NPAT

0.6

0.1

0.7

1.1

(1.2)

(0.1)

(1.0)

(1.7)

(2.7)

(1.8)

(2.9)

(4.7)

74%

(3.1)

-

(0.8)

(4.3)

Wealth Management divestment

(1.5)

(1.6)

-

-

-

(0.8)

(1.9)

(2.4)

Large

-

(10.5)

-

-

-

-

-

-

-

-

(12.2)

1.7

Impairment of goodwill and intangibles

Large

(0.2)

(0.2)

0.1

-

-

(0.2)

(0.1)

(0.1)

0.1

-

-

-

Costs considered unusual to ordinary activities

NM

1.0

(1.3)

(0.3)

(0.8)

(2.6)

(3.4)

(16.0)

(3.5)

(19.5)

Reported NPAT

(0.8)

(1.7)

(2.5)

Large

1. Management view excludes the life investments contracts (that is, unit linked business) and reflects fees earned by the shareholder less expenses incurred. Inter-segment revenues/expenses are not eliminated in the management view. 2. % change represents the movement from FY23 to FY24. 3. 2H FY24 is reflected post the sale of the investment management business to Human Financial that completed on 31 January 2024.

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