Financial Performance and Remediation Update

NZ CUSTOMER DEPOSITS BY INTEREST RATE NZ CUSTOMER DEPOSITS BY INTEREST RATE (NZD)¹ $41.0bn of deposits already at or near zero interest rate NEW ZEALAND BANKING $16.8bn $24.2bn $11.3bn $10.5bn $2.4bn $0.9bn less than 0.01% between 0.01% to 0.25% between 0.26% to 0.50% between 0.51% to 0.75% between 0.76% to 1.00% more than 1.00% CUSTOMER DEPOSIT BALANCES BY PRODUCT (NZD) ($bn) 31.9 28.7 24.7 23.9 18.2 15.5 15.9 17.2 10.6 12.1 13.5 13.9 8.7 9.6 5.4 6.6 Mar 20 Sep 20 Mar 21 Sep 21 Mar 20 Mar 21 Sep 20 Sep 21 Mar 20 Sep 20 Mar 21 Sep 21 Mar 20 ■NBIS ■Transaction ■Savings Sep 20 ■Term Deposits Mar 21 Sep 21 2.0 Mar 20 2.1 Sep 20 2.3 Mar 21 2.4 Sep 21 ■ Offsets (1) Customer deposits exclude offset products, and set-off facilities 46 National Australia Bank

View entire presentation