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WNZL - Key Performance Metrics Strength 30-Sep-15 31-Dec-16 Return 31-Dec-15 31-Dec-16 Deposit to Loans (%) 75.1% 77.5% Net Interest Margin (%) 2.29% 2.05% Provision Gross 0.60% 0.52% Core Earnings ($m) 1,281 1,224 Loans Advanced (%) Total Capital 13.1% 12.5% NPAT ($m) 911 868 Strength Return Productivity Growth Productivity 31-Dec-15 31-Dec-16 Growth 30-Sep-15 31-Dec-16 Cost to Income (%) 1 41.2% 42.9% Housing Market Share (%) 20.2% 19.7% Online Users (#000's) 711 745 Agri Market Share (%) 12.3% 12.9% Deposits via Smart Total Retail Deposits 210 224 20.6% 20.5% ATMs (# 000's) Market Share (%) 6

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