Financial Performance and Remediation Update

DIVISIONAL CONTRIBUTIONS 35 Divisional cash earnings FY21 ($m) FY21 v FY20 2H21 ($m) 2H21 v 1H21 Business and Private Banking 2,480 0.3% 1,264 3.9% Personal Banking 1,650 14.4% 791 (7.9%) Corporate & Institutional Banking 1,207 (14.8%) 425 (45.7%) New Zealand Banking¹ (1) In local currency 1,230 18.7% 614 (0.3%) National Australia Bank

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