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Investor Presentaiton

NEW ZEALAND DIVISION CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS BALANCE SHEET CONTRIBUTION NZ DIVISION FY21 v FY20 2H21 v 1H21 Sep-21 NZDb 135 Income +8% +5% Income drivers Net Interest Other Operating FY21 V FY20 2H21 v 1H21 +11% -4% +6% +2% Expenses +3% +12% 39 102 Profit before provisions +12% +1% 24 Business NLA drivers Home loans Business loans¹ FY21 v FY20 2H21 v 1H21 +10% -2% +4% 0% Cash Net Profit after tax +41% -3% 96 Net Loans & Advances +7% +3% 78 Personal Customer Deposits +4% +1% Deposit drivers Term Deposits Transact/Savings FY21 v FY20 -19% +21% 2H21 v 1H21 -8% +6% Net Loans & Advances Customer Deposits CASH PROFIT DRIVERS - NZ DIVISION NZDm Net Interest Income: +135 43 545 92 8 -1 238 Net Interest Income: +84 60 819 -106 24 4 8 793 -77 -45 2H20 Cash Profit (ex L/N) Volume Margin Other Operating Income Expenses Provisions Tax 1H21 Cash Profit (ex L/N) Volume Margin Other Operating Income Expenses Provisions Tax 1. Business excludes business loans secured by residential properties 2H21 Cash Profit (ex L/N) ANZ 68

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