Investor Presentaiton

30 September 2013 - A strong performance across key metrics Return ☐ Improved core earnings and reduced impairment charges leading to improved cash earnings ■NIM broadly maintained during FY13 despite competitive pressures Growth Deposit growth funded loan growth as well as wholesale debt and intra-group debt reductions ■ Targeted mortgage (below 80% LVR) growth with business lending growth in line with system Productivity Expense to income ratio reduced to 42.48% at 30 September 2013 from 43.50% at 30 September 2012 ■ Reduced FTE's from 4,691 to 4,481 at 30 September 2013 Strength Improved deposit to loan (D2L) ratio to 75.6% from 70.6% at 30 September 2012 ■ Asset quality improving with a reduction in Business stressed exposures and housing delinquencies : 9 W

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