FY 2018 and Q4-18 Results

Income stream trends Total income increased by 8.4% YOY, notwithstanding more subdued economic conditions ... despite BSP reducing/removing its fees in recent years. Net interest Fee/ income FX income Other Total KEY DRIVERS commission income income YOY: 8.1% 2.7% 13.9% 24.1% 8.4% CAGR 11.6% 2.9% 11.2% 14.4% 9.9% GROUP INCOME STREAMS [km] 1,381 1,278 1,108 384 362 374 254 276 314 68 71 89 2,166 1,998 1,793 Net interest income Fee and commission FX income Other income Total income FY 2018 and Q4-18 Results 2016 2017 2018 Interest income - loans, T- bills/I. Stock Fees & commission - Channels income, lending fees, service charges FX Income Forex - Other Income¹ - Life Fiji income, operating lease Key: = CAGR compound annual growth rate [2016 to 2018] YOY = = year on year Note: 12018 other income includes one-off aircraft insurance recovery BSP 9

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