Investor Presentaiton

Income and profit contribution by division and geography Operating Income by Division Net Profit after Tax by Division $m $m 12,000 4,000 7% 3,500 6% 8% 8% 10,000 8% 8% 10% 3,000 6% 37% 8% 8% 38% 36% 8,000 2,500 36% 37% 36% 38% 35% 37% 38% 6,000 2,000 4,000 12% 13% 13% 13% 13% 1,500 12% 14% 15% 14% 15% 1,000 2,000 43% 43% 41% 42% 42% 44% 42% 41% 42% 41% 500 0 1H13 2H13 1H14 ■Australia ■New Zealand 2H14 ■ IIB 1H15 ■Wealth 1H13 2H13 1H14 2H14 1H15 ■Australia ■New Zealand ■IIB Wealth Operating Income by Geography Net Profit after Tax by Geography $m 12,000 $m 4,000 10,000 15% 20% 19% 18% 20% 3,000 8,000 16% 16% 17% 14% 17% 20% 16% 16% 16% 15% 18% 18% 19% 23% 22% 6,000 2,000 4,000 68% 68% 68% 66% 62% 1,000 68% 64% 65% 58% 58% 2,000 0 1H13 2H13 1H14 2H14 1H15 ■Australia ■New Zealand ■APEA 1H13 2H13 1H14 2H14 1H15 ■Australia ■New Zealand ■APEA ANZ 13

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