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Investor Presentaiton

AUSTRALIA AND NZ KEY ECONOMIC INDICATORS AUSTRALIAN ECONOMIC INDICATORS (%)¹ NZ ECONOMIC INDICATORS (%)¹ CY19 CY20 CY21(f) CY22(f) CY23(f) CY19 CY20 CY21(f) CY22(f) CY23(f) GDP growth² 2.3 -1.1 3.7 1.7 2.6 GDP growth² 1.7 -0.9 2.3 4.0 1.6 Unemployment³ 5.2 6.7 5.1 4.7 4.4 Unemployment³ 4.1 4.9 4.6 3.9 4.6 Core Inflation4 Cash rate target³ 1.4 1.3 1.4 1.8 2.0 Inflation4 0.75 0.10 0.10 0.10 0.10 Cash rate (OCR)³ AUSTRALIAN SYSTEM GROWTH (%)5 1.9 1.4 2.9 1.6 2.5 1.0 0.25 0.25 1.00 2.00 NZ SYSTEM GROWTH (%) 5 FY19 FY20 FY21(f) FY22(f) FY23(f) FY19 FY20 FY21(f) FY22(f) FY23(f) Housing 3.0 3.3 5.2 4.4 5.0 Housing 6.5 6.8 11.6 3.5 3.6 Personal -4.3 -12.9 -3.1 0.0 1.5 Personal 0.1 -11.7 -2.9 3.6 3.7 Business 3.3 1.9 0.6 4.2 4.5 Business 4.8 -1.4 0.3 4.0 5.7 Total lending 2.7 1.9 3.2 4.1 4.7 Total lending 5.6 3.0 6.9 3.7 4.3 System deposits 3.8 11.7 7.6 5.6 3.4 Household retail deposits 5.1 9.4 5.8 4.6 4.3 (2) (3) (1) Sources: ABS, Econdata DX, RBA, RBNZ, Stats NZ, NAB December quarter on December quarter of previous year As at December quarter (4) (5) 104 December quarter on December quarter of previous year. For Australia, average of trimmed mean and weighted median indices Source: RBA, RBNZ, NAB. Bank fiscal year-ended (September). NZ business credit includes credit to Agriculture National Australia Bank
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