Investor Presentaiton

NEW ZEALAND BANKING CASH EARNINGS (NZ$m) 39 (1.8%) (15.7%) 1,055 1,036 562 474 REVENUE AND MARGIN 0.0% (3.5%) 2,537 2,537 2.30% 2.24% 2.20% 1,291 1,246 2.14% FY20 1H20 2H20 Mar 19 Sep 19 ■Net interest margin Mar 20 Sep 20 FY19 FY20 1H20 2H20 FY19 BUSINESS & HOUSING LENDING GLAS (NZ$bn) 7.0% (4.2%) ■Total revenue (NZ$m) CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS (NZ$m) 0.15% 0.10% 0.09% 44.8 46.0 43.0 43.6 42.9 41.1 66 44 Sep 19 Mar 20 ■Housing lending Sep 20 Sep 19 Mar 20 ■Business Lending Sep 20 Mar 19 Sep 19 Credit impairment charge 42 Mar 20 0.24% 106 Sep 20 Credit impairment as a % of GLAS (half year annualised) National Australia Bank

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