Investor Presentaiton

NEW ZEALAND DIVISION CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS INCOME NZDm 1,819 1,680 8 1,731 3 1,597 569 508 484 469 1,188 1,220 1,252 1,127 FINANCIAL PERFORMANCE RISK ADJUSTED MARGINS Net Interest Income as a % of average Credit Risk Weighted Assets % 5.08 4.72 1H20 4.44 4.93 2H20 1H21 2H21 NET LOANS & ADVANCES NZDb 125 126 131 135 3 2 2 39 39 40 39 82 84 90 94 1H20 Mar 20 2H20 1H21 2H21 Sep 20 Mar 21 Sep 21 Personal Business Other Personal Housing Business Personal Other ANZ 28

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