Investor Presentaiton

LENDING MIX PORTFOLIO BREAKDOWN – TOTAL NZ$91.1BN - 46 46 Commercial Real Estate 8% Agriculture, Forestry and. Fishing 16% Retail and Wholesale Trade 3% Manufacturing. 4% Other Commercial Personal Lending 3% 12% Mortgages 54% NEW ZEALAND BANKING MORTGAGE PORTFOLIO BREAKDOWN BY GEOGRAPHY - TOTAL MORTGAGE NZ$49.5BN Canterbury 12% Auckland 48%. Wellington 11% Waikato 7% Bay of Plenty 6% Other 16% AGRIBUSINESS PORTFOLIO BREAKDOWN BY INDUSTRY - TOTAL AGRI NZ$14.7BN Dairy 48% Drystock 21% Forestry 5% Kiwifruit 7% Other 13% Services to Agriculture 6% National Australia Bank

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