Investor Presentaiton

GROUP LENDING MIX 79 GROSS LOANS AND ACCEPTANCES BY PRODUCT Housing loans. 58% (1) Based on booking office where transactions have been recorded Other term lending 38% Asset & lease financing 2% GROSS LOANS AND ACCEPTANCES BY GEOGRAPHY¹ Other International. 3% New Zealand 14% Australia 83% Overdrafts 1% GROSS LOANS AND ACCEPTANCES BY BUSINESS UNIT Other New Zealand Banking. 1% Credit card outstandings 1% 14% Corporate & Institutional Banking 16% Business & Private Banking 33% Personal Banking 36% National Australia Bank

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