Financial Performance and Remediation Update

GROUP LENDING MIX GROSS LOANS AND ACCEPTANCES BY PRODUCT - $629BN GROSS LOANS AND ACCEPTANCES BY GEOGRAPHY¹ 71 Other term lending 39% Asset & lease _financing 2% Overdrafts 1% Other International. 3% New Zealand 15% Australia 82% Housing loans. 57% Credit card outstandings 1% GROSS LOANS AND ACCEPTANCES BY BUSINESS UNIT Other 2% (1) Based on booking office where transactions have been recorded New Zealand Banking 14% Business & Private Banking 33% Corporate & Institutional Banking 17% Personal Banking 34% National Australia Bank

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