Investor Presentaiton

1H15 result overview New Zealand 1H15 PCP NZDm % / bps Net interest income 1,241 6% Other operating income 196 1% Operating income 1,437 6% • Expenses (576) 2% PBP 861 8% Impairment charge (20) large • Tax & Non-Controlling Interests (236) 0% Cash Profit after Tax 605 1% • Drivers & outcomes PBP up 6% in Retail & up 9% in Commercial Winning customers: #1 Mkt position & growing mortgage & cards share Invested in Auckland, Christchurch & small business Continuing strong credit quality Net interest margin 2.52% 3 bps Cost to income ratio 40.1% (120 bps) Productivity & Efficiency Net loans and advances 99,518 6% CTI Rev per FTE (RHS) Customer deposits 61,427 11% NZ$k 45.2% 300 Impairment charge % avg GLA 0.04% 12 bps 41.3% 200 40.1% NPAT contribution 100 Retail 238 4% 0 Corporate & Commercial Banking 368 -2% 1H13 1H14 1H15 ANZ 21

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