Investor Presentaiton

FUNDING PROFILE GROUP STABLE FUNDING INDEX (SFI)' 94 101% 98% 90% 91% 93% 93% 86% 23% 20% 20% 22% 24% 23% 20% 78% 78% 66% 70% 69% 69% 70% Sep 12 Sep 14 Sep 16 Sep 18 Sep 19 Sep 20 Mar 21 ■Customer Funding Index ■Term Funding Index DEPOSIT GROWTH² ($bn) Business & Private Banking Personal Banking Corporate & Institutional Banking -4.1 New Zealand Banking Corporate Functions & Other -2.0 1.4 1.9 6 months to 31 March 2021 10.4 (1) The Group Stable Funding Index (SFI) is the sum of the Customer Funding Index (CFI) and Term Funding Index (TFI). CFI is measured as customer deposits (excluding certain short dated institutional deposits used to fund liquid assets) as a percentage of core assets. TFI is measured as term wholesale funding (with remaining maturity to first call date greater than 12 months), including Term Funding Facility (TFF) and RBNZ funding facility drawdowns as a percentage of the core assets (2) Includes mortgage offset accounts National Australia Bank

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