Investor Presentaiton

: 15 Growth in lending impacted by deleveraging and subdued market 62,000 Total net lending ($m) +$1,670m, 2.8% 38,000 Gross Housing lending ($m) +$1,052m, 2.9% 59,500 36,000 34,000 61,585 37,594 60,453 37,062 59,915 36,542 35,986 35,978 32,000 57,000 54,500 59,422 59.91 3.6% growth 52,000 4Q12 1Q13 2Q13 21,000 20,500 20,000 3Q13 Gross Business lending ($m) +$561m, 2.8% 30,000 4Q13 4Q12 6,200 5,700 4.5% growth 1Q13 2Q13 3Q13 4Q13 Gross Agri lending ($m) +$61m, 1.0% 5,200 6,006 6,048 6,067 20,515 5,869 5,787 19,500 19,954 20,021 19,769 19,798 4,700 3.4% growth 3.8% growth 19,000 4Q12 1Q13 4,200 2Q13 3Q13 4Q13 4Q12 1Q13 2Q13 3Q13 4Q13 W

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