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Investor Presentaiton

Mortgage portfolio delinquencies remain low - Key statistics – as at 31 December 2016 Mortgage portfolio 30+ and 90+ delinquencies (%) Number of home loan customers 358k 1.75% 1.50% Total Home Loan Portfolio $45.3bn 1.259 1.009 YTD mortgage growth rate annualised 3.97% 0.759% 0.50% Portfolio > 80% LVR 13.2% 0.25% 0.00% Average loan size $127k Mortgage portfolio loss rates (%) Home Loan Loss Rate Sep09 Mar10 Sep10 Mar11 Sep11. Mar12 Sep12 Mar13 Sep13 Mar14 Se p14 Mar15 Sep15 Mar16 Sep-1 % 30 plus dpd or Written Off FY06 FY07 FY08 FY09 FY11 FY12 FY13 -90+ dpd Home Loan Delinquencies FY14 Mortgages 30+ delinquencies and written off (%, yearly averages) 1.6% 1.4% 1.2% 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 Age Of Account 2006 2011 2007 -2012 2008 2009 2010 2013 2014 2015 30 -- FY 15 1016 91 HD 30+ dpd FY16 1Q17 0.37% 0.11%
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