Investor Presentaiton

New Zealand mortgages portfolio Portfolio statistics Dynamic loan to value ratio % of Portfolio Statistics 1H15 FY14 1H14 60% ■Mar 14 Total Number of Mortgage Accounts 494k 488k 484k 50% ■Sep 14 Total Mortgage FUM (NZD) $64b $62b $61b 40% ■Mar 15 % of Total New Zealand Lending 59% 58% 59% 30% % of Total Group Lending¹ 11% 11% 11% 20% LVR >90% 6% (Mar 15) Owner Occupied Loans - % of 75% 76% 76% Portfolio 10% Average Loan Size at $289k $266k $254k Origination (NZD) 0% 0-60% 61-70% 71-80% 81-90% 90%+ Average LVR at Origination² 64% 63% 63% Individual provision as % of average NLA Average Dynamic LVR of Portfolio³ 49% 50% 46% FY12 FY13 FY14 1H15 % of Portfolio Paying Interest Only4 22% 22% 21% Group¹ 0.38% 0.25% 0.22% 0.17% New Zealand Mortgages5 0.07% 0.04% 0.06% 0.01% 1. As % of group average NLA. 2. Average LVR at Origination (not weighted by balance). 3. Average dynamic LVR as at (not weighted by balance) - Dynamic LVR graph as at Feb 2014 for 1H14, Aug 2014 for FY14 and Feb 2015 for 1H15 respectively. 4. Excludes revolving credit facilities. 5. Individual Provision as % average NLA. ANZ 43

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