Investor Presentaiton

DIVISIONAL CONTRIBUTIONS 35 Divisional cash earnings FY20 ($m) FY20 V FY19 2H20 ($m) 2H20 v 1H20 Business and Private Banking 2,489 (11.6%) 1,125 (17.5%) Personal Banking 1,380 9.5% 657 (9.1%) Corporate & Institutional Banking 1,469 (2.6%) 768 9.6% New Zealand Banking¹ (1) In local currency 1,036 (1.8%) 474 (15.7%) National Australia Bank

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