Financial Performance and Remediation Update

LENDING MIX PORTFOLIO BREAKDOWN – TOTAL NZ$95.1BN - NEW ZEALAND BANKING MORTGAGE PORTFOLIO BREAKDOWN BY GEOGRAPHY - TOTAL MORTGAGE NZ$52.7BN 44 Commercial Real Estate 9% Agriculture, Forestry and Fishing 16% Retail and Wholesale Trade 4% Manufacturing_ 3% Other Commercial Personal Lending 2% 11% Mortgages 55% Canterbury 11% Auckland 48%. Wellington 11% Waikato 7% Bay of Plenty 5% Other 18% AGRIBUSINESS PORTFOLIO BREAKDOWN BY INDUSTRY - TOTAL AGRI NZ$14.7BN Dairy 46% Drystock 21% Forestry 5% Kiwifruit 8% Other 13% Services to Agriculture 7% National Australia Bank

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