Financial Performance and Remediation Update

NEW ZEALAND BANKING CASH EARNINGS (NZ$m) 18.7% REVENUE AND MARGIN 6.0% (0.3%) 3.3% 1,230 2,537 2,689 1,036 2.29% 2.29% 2.24% 616 614 1,323 1,366 2.14% FY20 FY20 FY21 1H21 2H21 FY21 1H21 2H21 Mar 20 Sep 20 ■Net interest margin Mar 21 Sep 21 BUSINESS & HOUSING LENDING GLAS (NZ$bn) 42 42 14.6% 1.0% 52.7 49.5 46.0 41.1 41.5 40.6 Sep 20 Sep 21 Sep 20 Mar 21 ■Housing lending ■Total revenue (NZ$m) CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS (NZ$m) 0.24% 0.09% 0.01% 106 (0.04%) 42 6 (19) Mar 20 Sep 21 Mar 21 ■Business Lending Sep 20 Mar 21 Sep 21 Credit impairment charge/(write-back) Credit impairment as a % of GLAS (half year annualised) National Australia Bank

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