Investor Presentaiton

NEW ZEALAND LENDING MIX PORTFOLIO BREAKDOWN - TOTAL NZ$88.1BN MORTGAGE PORTFOLIO BREAKDOWN BY GEOGRAPHY - TOTAL MORTGAGE NZ$46.OBN 74 Commercial Real Estate 9% Agriculture, Forestry and Fishing 17% Retail and Wholesale Trade 4% Manufacturing. 4% Other Commercial Personal Lending 2% 12% Mortgages 52% Canterbury 12% Auckland 48%. Wellington 11% Waikato 7% Bay of Plenty 6% Other 16% AGRIBUSINESS PORTFOLIO BREAKDOWN BY INDUSTRY - TOTAL AGRI NZ$14.9BN Dairy 48% Drystock 21% Forestry 5% Kiwifruit 7% Other 13% Services to Agriculture 6% National Australia Bank

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