Investor Presentaiton

New Zealand NZ Geography net impaired assets NZ Geography total provision charge NZDm NZDm 105 200 85 1,685 Net Impaired Assets NIA as % GLA (RHS) 150 103 99 100 44 22 30 50 (39) 31 0 1,307 -50 1,169 -100 1.74% 1.38% 1.23% 991 883 1.02% 0.89% 662 594 483 1.5% 1.0% 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14 1H15 ■IP Charge ■CP Charge NZ Division 90+ days delinquencies 0.66% 322 0.5% 0.58% 0.46% 0.0% 0.29% Sep 07 Mar 11 Sep 11 Mar 12 Sep 12 Mar 13 Sep 13 Mar 14 Sep 14 Mar 15 Sep 09 Sep 11 Sep 13 Home Loans Commercial Agri ANZ 44

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