Financial Performance and Remediation Update slide image

Financial Performance and Remediation Update

NEW ZEALAND ECONOMY ECONOMY HAD SOLID MOMENTUM BEFORE Q3 LOCKDOWN; LABOUR MARKET STRENGTH CONTINUED INTO Q3¹ STRONG DAIRY FARM VIABILITY ($NZ billion, chain prices) (%) 70 NZ GDP 6.0 Unemployment rate 8.40 7.74 99 5.0 66 4.0 62 62 5.85 3.0 58 2.0 54 1.0 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 50 0.0 Jun-19 Dec-19 Jun-20 Dec-20 Jun-21 Jun-19 Mar-20 Dec-20 Sep-21 3 Final Dairy Price -Assessed average cost of production (per kg) 4 IMPACT OF LATEST LOCKDOWN: WHILE SMALLER THAN IN 2020 STILL LARGE; RECEDING AS RESTRICTIONS EASE² Total card spending (first four weeks of year = 100) 120 170 150 1st nationwide lockdown (2020) Auckland Alert level 3 (2020) 130 2019 110 90 2021 70 2020 50 30 01-Jan 26-Feb 23-Apr 18-Jun 2021 lockdown (start 17 Aug) 13-Aug 08-Oct (1) Source: Refinitiv, Statistics NZ 03-Dec 2 (2) Source: BNZ; weekly card spending by BNZ customers through New Zealand merchants. This includes all credit and debit card transactions plus EFTPOS card transactions. Transactions include spending less any refunds. Spending data has been indexed to 100 in the first four weeks in each series. Dates displayed are for 2021 (2019 begins week ended 4-Jan, 2020 3-Jan). (3) Source: Fonterra (milk price) FY20/2021 final price of $7.74 p.kg includes dividend of $0.20 p.kg. FY21/22 forecast payout ratio of $8.40 p.kg is mid point of current forecast payout range (4) Source: Dairy NZ estimated cost of production National Australia Bank
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