Investor Presentaiton

WE HAVE CLEAR GROWTH OPPORTUNITIES CORPORATE & BUSINESS & PRIVATE BANKING PERSONAL BANKING INSTITUTIONAL BNZ UBANK Clear market leadership • Industry-leading relationship • . . . bankers, enabled by data and analytics 550 new customer facing roles Strengthen sector specialisation Transform business lending experience Leverage High Net Worth proposition Partner to deliver differentiated transactional banking experiences • • • Simple & digital Flexible and professional bankers able to serve customers whenever, wherever and through any channel they choose Deliver a simple and digital everyday banking experience, including unsecured lending Deliver Australia's simplest home loan 34 BANKING Disciplined growth • Highly professional • · Grow in personal & SME New customer acquisition relationship managers and specialists Leadership in infrastructure, investors, and sustainability Enhanced transactional banking and asset distribution capability • Step change in digital banking capability • New propositions driving customer acquisition • Simpler, more focused bank • Market leading digital experience Re-weight to less capital intense segments • Ambition to expand share in younger segments National Australia Bank

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