Investor Presentaiton

GROUP LENDING MIX GROSS LOANS AND ACCEPTANCES BY PRODUCT - $599BN 76 Other term lending 38% GROSS LOANS AND ACCEPTANCES BY GEOGRAPHY¹ Other International 3% New Zealand 14% Australia 83% Housing loans. 58% Asset & lease financing 2% Overdrafts 1% Credit card outstandings 1% GROSS LOANS AND ACCEPTANCES BY BUSINESS UNIT New Zealand Banking 14% Other 2% Business & Private Banking 33% (1) Based on booking office where transactions have been recorded Corporate & Institutional Banking 16% Personal Banking 35% National Australia Bank

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