Investor Presentaiton

WNZL Funding and Liquidity Positions Remain Strong Funding overview WNZL's customer deposit to loan ratio was 77.5% at 31 December 2016. Both BS13 and APS210 lenses are applied to the deposit book - active effort to attract deposits that represent stable long term funding under both prudential standards. WNZL issued NZD3.5bn term wholesale funding FY17 to date. Core Funding Ratio (CFR) was 83.0% at 31 December 2016. Future plans Maintain limited call on short term wholesale markets. Wholesale funding strategy remains that of consistent issuance into established markets with diversification within current geographies. 18

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