Company Overview

Provision of a range of banking and other financial services including consumer, residential, business and rural and lending, deposit-taking, payments services, wealth management and superannuation, treasury and foreign exchange services.

Directors and Management

Mr Antony (Tony) David Robinson

Non-Executive Director 24/04/2006

Mr Robinson brings many years' experience in the Australian financial services sector to the Bendigo and Adelaide Bank Board, including strategic business development and extensive experience in the wealth management, insurance and stockbroking sectors. His previous roles include having served as CFO at Link Communications and CEO of Centrepoint Alliance Limited, IOOF Holdings Limited and OAMPS Limited. He brings to the Board an extensive array of skills and expertise including executive and management skill, acquisition assessment and strategy, and a deep understanding of the broad Australian financial markets. He is Chair of the Governance & Human Resources Committee and is a member of the Audit and Technology Committees. Other director and memberships (including directorships of other listed companies for the previous three years) held by hima are Chair, Pacific Current Group Limited (ASX listed, period: August 2015 to present), Director, PSC Insurance Group Limited (ASX listed, period: September 2015 to present), River Capital Pty Ltd, Former Director, Longtable Group Limited (ASX listed, period: November 2015 to November 2019).

BCom, CPA, MBA Male

Mr Robert Hubbard

Non-Executive Director 02/04/2013

Mr Hubbard is based in Queensland and was a partner of PricewaterhouseCoopers for 22 years before commencing his career as a non-executive director in 2013. His skills and experience make him well suited to being Chair of the Audit Committee and as a member of the both Risk and Technology Committees. He has highly developed financial skills which he applies to the transactional, operational, risk management and assurance aspects of Bendigo and Adelaide Bank's strategy implementation. His more recent experience as a non-executive director has broadened this to many aspects of business and governance. He is particularly active in encouraging the Bendigo and Adelaide Bank sustainability agenda including a sound understanding of the role the Bank can play in reducing its carbon footprint while encouraging others to do the same. Other director and memberships (including directorships of other listed companies for the previous three years) held by him are Chair, Orocobre Limited (ASX and TSX listed, period: November 2012 to present), Chair, Healius Limited (ASX listed, period: December 2014 to present). Director, L&R Foundation Pty Ltd.

BA(Hons) Accy, FCA, MAICD Accountant, Auditor Male

Mr James (Jim) Thomas Hazel

Non-Executive Director 01/03/2010

Mr Hazel is a professional public company director who has had an extensive career in banking, finance and risk management, including in the regional banking industry. He brings to the Board more than 40 years of experience in the financial services sector along with a deep understanding of regional and rural interests, valuable insights into the challenges faced by Australia's ageing population, and the retirement housing sector. He has led government initiatives to lower the occurrence of motor vehicle accidents, reduce the impact of road trauma and oversee programs to change behaviours and encourage safer driving. He is a member of the Risk Committee and transitioned from Chair of the Financial Risk Committee to a member in August 2020. Other director and memberships (including directorships of other listed companies for the previous three years) held by him are Chair, Ingenia Communities Group Limited (ASX listed, period: March 2012 to present), Precision Group, Adelaide Festival Centre Trust Director, Coopers Brewery Limited, Inheritance Capital Management Pty Ltd, Omega Communities Pty Ltd, Chapman Capital Partners Pro-Chancellor, University of South Australia Former Director, Centrex Metals Limited (ASX listed, period: July 2010 to September 2019)

B.Ec, SF.Fin., FAICD Male

Mr David John Matthews

Non-Executive Director 01/03/2010

Mr Matthews chaired the first Community Bank company in Australia, which began in Rupanyup and Minyip in Victoria. He retains a keen interest in the sustainability of the Community Bank network, and its value and importance to hundreds of communities across Australia. He also brings to the Board, a sound understanding of the importance and resilience of the Australian agricultural sector both to the economy and to our future and continues to operate a farm and an agricultural import/export business based in the Wimmera region of Victoria. He continues to maintain a close involvement in several agricultural industry bodies. He brings to the Board an array of skills including experience in agribusiness from production to international trade, deep community connections and an understanding of the critical role the 'human' piece plays in business success. He is a member of the Financial Risk, Audit and Governance & Human Resources Committees. He is also a member of the Community Bank National Council and Chair of the Agribusiness Advisory Committee Other director and memberships (including directorships of other listed companies for the previous three years) held by him are Director, Australian Grain Technologies Pty Limited, Farm Trade Australia Pty Limited, Rupanyup/Minyip Finance Group Limited.

Dip BIT, GAICD Male

Ms Jacqueline Cherie Hey

Non-Executive Director,Non-Executive Chairman 05/07/2011

Ms Hey offers international experience in business and technology systems and enjoyed a highly successful executive career prior to becoming a full-time company director in 2011. She took up a graduate position with Ericsson the Swedish telecommunications company where she held a variety of leadership roles across more than two decades, eventually rising to become MD & CEO of Ericsson in the UK/Ireland and Australia/NZ. She brings to the Board an extensive array of skills including executive leadership, corporate and business acumen, technology and innovation, financial acumen and corporate governance. She is a member of the Governance & Human Resources and Technology Committees. Other director and memberships (including directorships of other listed companies for the previous three years) held by her are Director of Qantas Airways Limited (ASX Listed, period: August 2013 to present), AGL Energy Limited (ASX listed, period: March 2016 to present). Member of Brighton Grammar School Council. Former Director, Australian Foundation Investment Company

BCom, Grad Cert (Mgmt), GAICD Female

Mr David Andrew Foster

Non-Executive Director 04/09/2019

Mr Foster is an experienced non-executive director, with a diverse portfolio of directorships and advisory roles across a range of listed and government organisations. Mr Foster's executive career primarily in financial services has spanned more than 25 years, most recently as CEO of Suncorp Bank from 2008 to 2013. He also held a number of senior roles with Westpac Banking Corporation in Sydney and Queensland across a 14-year period. Mr Foster brings to the Board an extensive array of skills including strategy, M&A, operational leadership, finance and risk management, product management and marketing, and change management. Mr Foster is a member of the Risk Committee and transitioned from a member of the Financial Risk Committee to Chair in August 2020. Other director and memberships (including directorships of other listed companies for the previous three years) held by him are Chair, Motorcycle Holdings Limited (ASX Listed, period: March 2016 to present) Director, G8 Education Limited (ASX Listed, period: February 2016 to present), Genworth Mortgage Insurance Australia Limited (ASX Listed, period: May 2016 to present), Director, Youi Holdings Pty Ltd, Peak Services Pty Ltd, Former Director, Thorn Group Limited (ASX Listed, period: December 2014 to October 2019) Member of the University of the Sunshine Coast Council.

MBA,FINSIA,BAppSci,SFFINSIA,GAICD Male

Ms Jan Harris

Non-Executive Director 02/02/2016

Mr Harris has experience and understanding of the regulatory and government landscape brings additional breadth and balance to the Board. He has had a distinguished career in the Australian public service with broad experience in public and regulatory policy development, economics and governance. He has held senior roles in the Department of the Treasury and the Department of the Prime Minister and Cabinet, including as Deputy Secretary of the Treasury. As well as her depth and understanding of public policy, he brings an array of skills including finance, regulatory risk, compliance and risk management. He is Chair of the Risk Committee Other director and memberships (including directorships of other listed companies for the previous three years) held by hima re Member, Australian Office of Financial Management Audit Committee.

BEc (Hons) Female

Ms Marnie Baker

Managing Director 02/07/2018

Ms Baker has over 30 years' experience in the financial services industry, across Banking, Trustee and Custodial Services, Financial Planning, Insurance and Funds Management. She has been with the Bendigo and Adelaide Bank Group since 1989, and an Executive of the Bank since 2000. Her most recent positions include Chief Customer Officer which had responsibility for all the customer facing and direct customer support businesses across the Group, Executive Corporate Resources with responsibility for human resources, information technology, legal, assurance, property & security, procurement and corporate services, as well as previous positions of Chief Information Officer, Group Treasurer and Chief Executive Officer Sandhurst Trustees. She brings to the Board a strong understanding and connection to regional Australia as well as an array of skills, knowledge and experience from over 30 years in financial services, two thirds of which has been in Executive positions. Other director and memberships (including directorships of other listed companies for the previous three years) held by her are Deputy Chair of the Australian Banking Association, member of Business Council of Australia, Mastercard (Asia Pacific) Advisory Board, Corporate Executive Women and La Trobe University's Bendigo Regional Advisory Board.

BBus(Acc),MAICD,MASCPA,SFFinSIA, Female

Ms Vicki Carter

Non-Executive Director 04/09/2018

Ms Carter has over 30 years' experience in the financial services and telecommunications sectors with executive roles in distribution, strategy and operations, human resources and transformation. Her skills in large scale people leadership, product and sales management, transformation delivery and risk management have been, and continue to be, valuable and contemporary contributions to the Board and the Bank. She recently concluded her role as Executive Director, Transformation Delivery at Telstra, and prior to that, held a number of executive roles at NAB including Executive General Manager Retail Bank, Executive General Manager - Business Operations and General Manager of People and Culture, as well as senior leadership roles at MLC, ING and Prudential Assurance Co Ltd. She is Chair of the Technology Committee and is a member of the Financial Risk and Governance and Human Resources Committees.

MCEW Female

Mr Richard David Deutsch

Non-Executive Director 20/09/2021

Mr Deutsch has experience in delivering complex audit and advisory services to Australia's public, private, government and not-for-profit organisations having most recently served as CEO of Deloitte Australia. At Deloitte Australia, Richard was the Managing Partner of the Audit & Advisory Practice and a member of the Global Audit & Advisory Leadership Team. Richard's career also includes more than 25 years working with PwC, including nine years on PwC's Australian executive. Richard is passionate about supporting organisations that have a positive impact in the community. He is a former Chairman of OzHarvest and a former Director of Adara Group, a charitable organisation focusing on international development in emerging economies. His former directorships also include serving as President and Chairman of the Institute of Chartered Accountants Australia (now Chartered Accountants Australia and New Zealand) and Director of SCEGGS Darlinghurst. Richard has also been a member of the Male Champions of Change, Australian Climate Leaders Coalition and the Business Council of Australia.

BEco,FCA(ANZ), Male

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