Investor Presentaiton

Loans and deposits by division and geography - 1H15 Customer Lending¹ by Division New Zealand Customer Deposits by Division 17% IIB 28% Australia IIB 46% New Zealand 14% Global Wealth 53% 1% Australia 37% Global Wealth 4% Customer Lending¹ by Geography Customer Deposits by Geography Australia 65% APEA 16% New Zealand 19% 1. Customer lending represents Net Loans & Advances including acceptances. APEA 30% Australia 52% New Zealand 18% ANZ 14

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