Investor Presentaiton

WE HAVE CLEAR GROWTH OPPORTUNITIES CORPORATE & BUSINESS & PRIVATE BANKING PERSONAL BANKING INSTITUTIONAL BNZ UBANK Clear market leadership ⚫ Industry-leading relationship bankers, enabled by data and analytics . 550 new customer facing roles Strengthen sector specialisation Transform business lending experience • Leverage HNW proposition • Partner to deliver differentiated transactional banking experiences • • • Simple & digital Flexible and professional bankers able to serve customers whenever, wherever and through any channel they choose Deliver a simple and digital everyday banking experience, including unsecured lending Deliver Australia's simplest home loan 10 BANKING Disciplined growth • Highly professional relationship managers and specialists Grow in personal & SME • Step change in digital banking capability · New customer acquisition New propositions driving customer acquisition infrastructure, • Leadership in • Simpler, more focused bank • Market leading digital experience · investors, sustainability Enhanced transactional banking and asset distribution capability Re-weight to less capital intense segments Ambition to expand into micro-business National Australia Bank

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