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Investor Presentaiton

TERM WHOLESALE FUNDING PROFILE HISTORIC TERM WHOLESALE FUNDING ISSUANCE¹ ($bn) 4.9 yrs 6.8 yrs 5.4 12.3 11.3 yrs yrs yrs 17 16 10 | 12 11 6 14 10 10 5 2 1H19 2H19 1H20 Tenor 2,3,4 ■Secured ■Senior and Sub Debt RBA Term Funding Facility 2H20 CRBNZ Funding Facilities 1H21 6 TERM FUNDING MATURITY PROFILE³ WAM 3.3 yrs4 5 ■Secured Senior and Sub Debt RBA Term Funding Facility [1RBNZ Funding Facilities 5,6 40 14 27 15 22 21 12 3 H2FY21 5 FY22 5 FY23 29 21 10 23 16 4 FY24 6 4 FY25 5 Beyond (1) Includes senior unsecured, secured (covered bonds and securitisation) and subordinated debt with an original term to maturity or call date of greater than 12 months, excludes Additional Tier 1 instruments (2) Weighted average maturity (years) of funding issuance with an original term to maturity greater than 12 months (3) Weighted average maturity and maturity profile excludes RMBS (4) Weighted average maturity excludes Additional Tier 1, Residential Mortgage Backed Securities, RBA Term Funding Facility and RBNZ funding facilities (5) Drawdowns treated at contractual maturity 99 (6) Includes RBNZ's Term Lending Facility (TLF) and Funding for Lending Programme (FLP) National Australia Bank
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