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Investor Presentaiton

Conditions are improving for the dairy sector • Global dairy prices recovered sharply through H2 2016, and in January were 50% higher than in the middle of last year. Fundamentals have shifted in favour of dairy producers. The previous period of low prices has led to milk supply contracting in key dairy export regions, including Europe, New Zealand and Australia. Demand, especially from China, has also improved. Westpac Economics has upgraded our forecast for New Zealand's farm gate milk price to $6.20 for the current season. However, while this is a significant improvement, it will take some time for farmers to repair their balance sheets following two seasons of very low prices. NZ export commodity price index (NZD) Dairy payout and dividend Kg Ms $10 $9 $8 ■Dividend $7 ■Milk price $6 $5 $4 SSSSSSSS Kg Ms $10 Westpac forecast $9 $8 $7 $6 $5 $4 $3 $2 $1 $0 ❁�8⌘¢#ཕ ྂ 2015/16 2016/17 2017/18 2010/11 2011/12 2012/13 2013/14 2014/15 2002/03 2003/04 2004/05 2005/06 2006/07 2007/08 2008/09 2009/10 Source: Westpac Economics Break-even dairy payout Break Even Effective Payout (including dividends) Indexed to Kg Ms 100 Jan 2000 250 $10 $9 200 $8 $7 150 $6 $5 100 $4 $3 50 $2 Dairy Products Seafood $1 0 $0 Jan-09 Jan-12 Jan-15 Indexed to 400 100 Jan 2000 350 300 250 200 150 100 50 Meat, Skins and Wool Horticultural Products 0 Jan-00 Jan-03 Jan-06 Source: ANZ, Westpac Kg Ms $10 Fonterra payout including dividend Forecast EA EA LA ES LA EA ES LA ES E $9 $8 $7 $6 $5 $4 $3 $2 $1 $0 2002/03 2004/05 2006/07 2008/09 2010/11 2012/13 2014/15 2016/17 Source: RBNZ, DairyNZ, Westpac, Fonterra 14
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