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					                                                       G2 Information extracted Key Information Summaries of overseas incorporated banks

                                                                Banque        Barclays        Citibank          HKSB           PIBA        Rabobank       Westpac
                                                               Indosuez
Annual balance date                                             31-Dec          31-Dec          31-Dec          31-Dec         31-Dec        31-Dec        30-Sep
Banking group:
End of period covered by disclosure statement                  31-Mar-96       31-Mar-96       31-Mar-96       31-Mar-96      31-Mar-96      1-Apr-96     31-Mar-96
Number of months covered by disclosure statement                   3               3               3               3              3             0             6
Overseas Banking group:
End of period covered by disclosure statement                  31-Dec-95       31-Dec-95       31-Mar-96       31-Dec-95      31-Dec-95     31-Dec-95     31-Mar-96
Number of months covered by disclosure statement                  12              12               3              12             15            12             6
Profitability
      Banking group:

       Net profit after tax and extraordinary items (NZ$m)       0.095           0.155           2.073           4.521           0.1           N/A           70
       As a % of average total assets (annualised)                N/A             0.02            0.55            0.52          0.23           N/A          0.95
       Overseas banking group:
       Net profit after tax and extraordinary items             FRS31m        GBP1,364m        USD914m        HKD19,723m     AUD20.768m    NLG1,427m      AUD565m
       As a % of average total assets (annualised)                0.02           0.8             1.37            1.8            0.73         0.51            1
Peak credit exposure concentrations
(number for Banking Group in relation to the equity
of the Overseas Banking Group)
       Non-bank counterparties:
       10-20%                                                      0              0               0                0              1             0             0
       20-30%                                                      0              0               0                0              0             0             0
       >30%                                                        0              0               0                0              0             0             0
       Bank counterparties:
       10-50%                                                      0              0               0                0              0             0             0
        50-100%                                                    0              0               0                0              0             0             0
        >100%                                                      0              0               0                0              0             0             0
Credit rating(s)
(on NZ$ long term senior unsecured obligations)
       Rating                                                     A-             N/A          Aa3/AA-            A3             AAA         AAA/Aaa        A+/Aa3
       Issuer                                                    S&P             N/A         Moodys/ S&P        Moodys          S&P        S&P/Moodys    S&P/ Moodys
Capital adequacy
(of the Overseas Banking Group)
       Tier 1 ratio (%)                                           6.4            7.7              8.42            9.4           5.23           9.2           9.2
       Capital ratio (%)                                         10.57           10.9            12.37           15.1           9.92           12            13
Size
       Banking Group:
       Total assets (NZ$m)                                      240.109          854.1          1440.81         3466.41         377.4           0          15170.3
       Percentage change last 12 months                           N/A            -23.9           -7.53           -17.07          110           N/A          10.1
       Overseas Banking Group:
       Total assets                                           NZD124,258m    GBP168,826m     USD263,566m     HKD1,172,516m    AUD2,586m    NLG293,516m   AUD115,746m
       Percentage change last 12 months                           4.9             4             -2.02             8.7           32.5           9.1          18.4
Asset quality
       Banking Group:
       Impaired assets (NZ$m)                                    22.434          30.3            3.937           N/A              0             0           229.9
       As a percentage of total assets                             9.34          3.6              0.27           N/A             N/A           N/A            1.5
       Specific provisions (NZ$m)                                  12.6          9.4               0             N/A              0             0           117.9
       As a percentage of impaired assets                         56.16           31              N/A            N/A             N/A           N/A           51.3
       Overseas Banking Group:
       Impaired assets                                            N/A         GBP4,993m       USD6,587m       HKD12,409m      AUD14.4m     NLG5,490m     AUD1,747m
       As a percentage of total assets                            N/A             3              2.5             1.06           0.55          2              1.5
       Specific provisions                                        N/A         GBP1,871m       USD5,390m       HKD8,284m       AUD0.739m    NLG2,254m      AUD749m
       As a percentage of impaired assets                         N/A           37.5            81.83           66.76            5.1         41.1           42.9
                                                             G2 Information extracted from Key Information Summaries of overseas incorporated banks

                                                             Bank of Tokyo-     Banque       Barclays (*3)   Citibank (*2)      HKSB            PIBA        Rabobank        Westpac
                                                              Mit. (Aust.)     Indosuez
Annual balance date                                               31-Dec         31-Dec         31-Dec          31-Dec           31-Dec         31-Dec        31-Dec         30-Sep
Banking group:
End of period covered by disclosure statement                      N/A          30-Jun-96      30-Jun-96       30-Jun-96        30-Jun-96      30-Jun-96     30-Jun-96      30-Jun-96
Number of months covered by disclosure statement                   N/A              6              6               6                6              6             6              9
Overseas Banking group:
End of period covered by disclosure statement                    30-Jun-96      31-Dec-95      30-Jun-96       30-Jun-96        30-Jun-96      31-Dec-95     31-Dec-95      31-Mar-96
Number of months covered by disclosure statement                     6             12              6               6                6             15            12              6
Profitability
      Banking group:

       Net profit after tax and extraordinary items (NZ$m)         N/A            1.202          2.032           4.174             6.4            0.4          0.05           100
       As a % of average total assets (annualised)                 N/A             1.13           0.2             0.55             0.4            0.1           0.3           0.88
       Overseas banking group:
       Net profit after tax and extraordinary items             AUD2.111m       FRS533m        GBP882m         USD1866m      HKD19,723m(*1)   AUD20.768m    NLG1,427m       AUD565m
       As a % of average total assets (annualised)                0.14            0.1             1               1.4           1.8(*1)          0.73         0.51             1
Peak credit exposure concentrations
(number for Banking Group in relation to the equity
of the Overseas Banking Group)
       Non-bank counterparties:
       10-20%                                                      N/A              0              0               0               0              1              0              0
       20-30%                                                      N/A              0              0               0               0              0              0              0
       >30%                                                        N/A              0              0               0               0              0              0              0
       Bank counterparties:
       10-50%                                                      N/A              0              0               0               0              0              0              0
        50-100%                                                    N/A              0              0               0               0              0              0              0
        >100%                                                      N/A              0              0               0               0              0              0              0
Credit rating(s)
(on NZ$ long term senior unsecured obligations in NZ)
       Rating                                                      None            A+            N/A           Aa3/AA-           A3              AAA         AAA/Aaa         A+/Aa3
       Issuer                                                      N/A            S&P            N/A          Moodys/ S&P       Moodys           S&P        S&P/Moodys     S&P/ Moodys
Capital adequacy
(of the Overseas Banking Group)
       Tier 1 ratio (%)                                            N/A             6.42            7.3            8.38             9.8           5.23           9.2            9.2
       Capital ratio (%)                                           N/A            10.62           10.3           12.35            15.1           9.92           12             13
Size
       Banking Group:
       Total assets (NZ$m)                                         N/A           214.675        947.634         1479.315          4227           310.8         34.9           26802
       Percentage change last 12 months                            N/A            -19.1           N/A            -28.25           19.1            2.3          N/A             87
       Overseas Banking Group:
       Total assets                                           AUD2,850.765m    FRS428,476m    GBP191,618m     USD266,824m    HKD1,220,965m    AUD2,586m    NLG293,516m     AUD115,746m
       Percentage change last 12 months                           -7.75            4.16          N/A             3.83             7.7           32.5           9.1            18.4
Asset quality
       Banking Group:
       Impaired assets (NZ$m)                                      N/A           13.738          36.203          3.215             1.4            0             0             231
       As a percentage of total assets                             N/A             5.11            3.8            0.22              -            N/A           N/A             0.8
       Specific provisions (NZ$m)                                  N/A            7.049           4.72              0              0.7            0             0             148
       As a percentage of impaired assets                          N/A            52.06            13             N/A              50            N/A           N/A            64.1
       Overseas Banking Group:
       Impaired assets                                             N/A         FRS9,539m       GBP4,187m       USD6,497m     HKD12,409m(*1)   AUD14.4m     NLG5,490m(*4)   AUD1,747m
       As a percentage of total assets                             N/A            2.23            2.2            2.43           1.06(*1)        0.55             2             1.5
       Specific provisions                                         N/A         FRS6,463m       GBP1,616m        USD0m        HKD8,284m(*1)    AUD0.739m     NLG2,254m       AUD749m
       As a percentage of impaired assets                          N/A           67.76           38.6             N/A           66.8(*1)         5.1           41.1           42.9
                                                             G2 Information extracted from Key Information Summaries of overseas incorporated banks

                                                             Bank of Tokyo-     Banque         Barclays      Citibank (*2)      HKSB            PIBA        Rabobank       WestpacTrust
                                                              Mit. (Aust.)     Indosuez
Annual balance date                                               31-Dec         31-Dec         31-Dec           31-Dec          31-Dec         31-Dec        31-Dec           30-Sep
Banking group:
End of period covered by disclosure statement                      N/A          30-Sep-96      30-Sep-96       30-Sep-96        30-Sep-96      30-Sep-96     30-Sep-96       30-Sep-96
Number of months covered by disclosure statement                   N/A              9              9               9                9              9             9              12
Overseas Banking group:
End of period covered by disclosure statement                    30-Jun-96      31-Dec-95      30-Jun-96       30-Sep-96        30-Jun-96      31-Dec-95     31-Dec-95       30-Sep-96
Number of months covered by disclosure statement                     6             12              6               9                6             15            12              12
Profitability
      Banking group:

       Net profit after tax and extraordinary items (NZ$m)         N/A             2.4           2.927           8.106             7.5           0.59          -0.03            127
       As a % of average total assets (annualised)                 N/A            1.53            0.6             0.71             0.2           0.24          0.28             0.68
       Overseas banking group:
       Net profit after tax and extraordinary items             AUD2.111m       FRS533m        GBP907m         USD2,801m     HKD19,723m(*1)   AUD20.768m    NLG1,427m       AUD1,132m
       As a % of average total assets (annualised)                0.14            0.1             1              1.39           1.8(*1)          0.73         0.51            0.97
Peak credit exposure concentrations
(number for Banking Group in relation to the equity
of the Overseas Banking Group)
       Non-bank counterparties:
       10-20%                                                      N/A              0              0               0               0              0              0               0
       20-30%                                                      N/A              0              0               0               0              0              0               0
       >30%                                                        N/A              0              0               0               0              0              0               0
       Bank counterparties:
       10-50%                                                      N/A              0              0               0               0              0              0               0
        50-100%                                                    N/A              0              0               0               0              0              0               0
        >100%                                                      N/A              0              0               0               0              0              0               0
Credit rating(s)
(on NZ$ long term senior unsecured obligations in NZ)
       Rating                                                      None            A+            N/A           Aa3/AA-            A3             AAA         AAA/Aaa          AA-/Aa3
       Issuer                                                      N/A            S&P            N/A          Moody's/ S&P      Moody's          S&P        S&P/Moody's     S&P/ Moody's
Capital adequacy
(of the Overseas Banking Group)
       Tier 1 ratio (%)                                            N/A             6.42            7.3            8.36             9.8           5.23           9.2              7.4
       Capital ratio (%)                                           N/A            10.62           10.3            12.4            15.1           9.92           12              10.8
Size
       Banking Group:
       Total assets (NZ$m)                                         N/A           198.921        681.063         1,504.33        4,813.40        177.41        411.211          26,371
       Percentage change last 12 months                            N/A            -7.24           N/A             7.48            35.5           -49            N/A             84.5
       Overseas Banking Group:
       Total assets                                           AUD2,850.765m    FRS428,476m    GBP191,618m     USD271,930m    HKD1,220,965m    AUD2,586m    NLG293,516m      AUD121,513m
       Percentage change last 12 months                           -7.75            4.16           16             5.59             7.7           32.5           9.1             14.8
Asset quality
       Banking Group:
       Impaired assets (NZ$m)                                      N/A            8.466          33.087          0.895             1.4            0             0               229
       As a percentage of total assets                             N/A             2.89             4.9           0.06              -            N/A           N/A               0.9
       Specific provisions (NZ$m)                                  N/A            5.744           5.029             0              0.7            0             0               112
       As a percentage of impaired assets                          N/A            67.85            15.2           N/A              50            N/A           N/A              48.9
       Overseas Banking Group:
       Impaired assets                                             N/A         FRS9,539m       GBP4,187m       USD6,328m     HKD12,409m(*1)   AUD14.4m     NLG5,490m(*3)    AUD1,353m
       As a percentage of total assets                             N/A            2.23            2.2            2.33           1.06(*1)        0.55             2              1.1
       Specific provisions                                         N/A         FRS6,463m       GBP1,616m           0         HKD8,284m(*1)    AUD0.739m     NLG2,254m        AUD531m
       As a percentage of impaired assets                          N/A           67.76           38.6             N/A           66.8(*1)         5.1           41.1            39.2
xtracted from the Key Information Summaries of overseas incorporated banks
                                                                      Bank of Tokyo-   Banque Indosuez   Barclays        Citibank (*7)   Deutsche Bank
                                                                      Mit. (Aust.)
       Time period covered
           Annual balance date                                             31-Dec           31-Dec             31-Dec          31-Dec         31-Dec
           Banking group in NZ:
           End of period covered by the disclosure statement              31-Dec-96        31-Dec-96         31-Dec-96       31-Dec-96       31-Dec-96
           Number of months covered by the disclosure statements           N/A (*8)           12                12               12           12 (*8)
           Overseas banking group:
           End of period covered by the disclosure statement              31-Dec-96        31-Dec-95         31-Dec-96       31-Dec-96       31-Dec-96
           Number of months covered by the disclosure statements             12               12                12               12             12

       Profitability
          Banking group in NZ:
           Net profit after tax and extraordinary items (NZ$m)              -0.488           3.788              7.7             8.017          1.095
           As a percentage of average total assets (annualised)              -5.08           1.71               1.2             0.55           0.81
           Overseas banking group:
           Net profit after tax and extraordinary items                    AUD10m          FRF533m           GBP1686m        USD3788m        DM2218m
           As a percentage of average total assets (annualised)             0.42             0.10               0.90            1.40           0.28

       Peak credit exposure concentrations
       (number for banking group in NZ in relation to the equity of
       the overseas banking group)
           Non-bank counterparties:
           10-20%                                                             2                0                    0            0               0
           20-30%                                                             0                0                    0            0               0
           >30%                                                               0                0                    0            0               0
           Bank counterparties:
           10-50%                                                             0                0                    0            0               0
           50-100%                                                            0                0                    0            0               0
           >100%                                                              0                0                    0            0               0
HKSB              PIBA            Rabobank       WestpacTrust


       31-Dec            31-Dec        31-Dec         30-Sep

   31-Dec-96         31-Dec-96       31-Dec-96       31-Dec-96
        12                 12         N/A (*8)           3

   31-Dec-96         31-Dec-96       31-Dec-96       30-Sep-96
        12                 12           12              12



        8.1               0.67          0.39            103
        0.2               0.31          0.14             1.51

  HKD22585m              AUD19m      NLG1632m        AUD1132m
  Not disclosed           0.66          0.52           0.97




         0                 0             0              0
         0                 0             0              0
         0                 0             0               0

         0                 1             0               0
         0                 0             0               0
         0                 0             0               0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)          A+                 A+      AA/Aa2           Aa3/AA-       Aa1/AAA
    Rating                                                    S&P             S&P      S&P/Moodys       Moody's/ S&P   Moody's/S&P
    Issuer
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)                          Not disclosed       6.42           7.6            8.39             5.4
     Tier 1 (*1)                                          Not disclosed       10.62         10.4            12.23            9.9
     Capital (*2)
Size
   Banking group in NZ:
    Total assets (NZ$m)                                     115.358       277.7        627.35           1405.7         269.50
    Percentage change last 12 months                        N/A (*8)      31.3          Not disclosed    -9.2           10926.90 (*8)
    Overseas banking group:
    Total assets                                           AUD3260m       FRF428476m    GBP148985m      USD281018m      DM886090m
    Percentage change last 12 months                          6                4         5               9              23
Asset quality
   Banking group in NZ:
    Impaired assets (NZ$m)                                    0.00            5.43          24.36            1.89           0.00
    As a percentage of total assets                           0.00            1.96          3.90             0.13           0.00
    Specific provisions (NZ$m)                                0.00            4.10          4.96             0.00           0.00
    As a percentage of impaired assets                        0.00            75.49         20.40            0.00           0.00
    Overseas banking group:
    Impaired assets                                       Not disclosed    FRF9539m     GBP3322m          USD5757m      DM16600m
    As a percentage of total assets                       Not disclosed      2.23       1.8              2.05            2
    Specific provisions                                   Not disclosed    FRF6463m     GBP1374m          0.0           DM11200m
    As a percentage of impaired assets                    Not disclosed      67.76          41.4                 0      67
     A3             AAA       Aaa/AAA        AA-/Aa3
   Moody's          S&P     Moody's/S&P   S&P/ Moody's



      9.8           7.44          9             7.4
     15.8           11.37        11.3          10.8



4162.1          143.8       337.35        26694.0
 16.7           -37.9          N/A (*8)    80.8

HKD1294672m      AUD3139m   NLG331317m     AUD121513m
 10              21          13             15


    1.40            0.00         0.00         135.00
    0.00            0.00         0.00          0.50
    0.70            0.00         0.00          74.00
    50.00           0.00         0.00          54.80

HKD12409m(*6)      AUD7m     NLG5300m       AUD1353m
   1.00(*6)      0.2         2              1
HKD8284m(*6)       AUD1m     NLG2375m       AUD531m
  66.80(*6)        10.15         45            39.2
                                                                      G2 Information extracted from the Key Information Summaries of overseas incorpor
                                                               Bank of Tokyo- Mit.               Crédit Agricole
                                                                                       BNP                         Barclays    Citibank (*5)
                                                                     (Aust.)                        Indoseuz
Time period covered
    Annual balance date                                              31-Dec           31-Dec         31-Dec         31-Dec        31-Dec
    Banking group in NZ:
    End of period covered by the disclosure statement               31-Mar-97        31-Mar-97      31-Mar-97      31-Mar-97     31-Mar-97
    Number of months covered by the disclosure statements                3                3              3              3             3
    Overseas banking group:
    End of period covered by the disclosure statement               31-Dec-96        30-Jun-96      31-Dec-96      31-Dec-96     31-Mar-97
    Number of months covered by the disclosure statements               12                 6            12             12             3

Profitability
   Banking group in NZ:
    Net profit after tax and extraordinary items (NZ$m)               -0.08            N/A             0.03           1.88          3.17
    As a percentage of average total assets (annualised)              -0.23            N/A             0.01            0.3           0.9
    Overseas banking group:
    Net profit after tax and extraordinary items                    AUD10m           NZD525m        FRF783m        GBP1686m      USD995m
    As a percentage of average total assets (annualised)              0.42             0.22           0.18            0.9          1.41

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
    Non-bank counterparties:
    10-20%                                                               2                0              0              0             0
    20-30%                                                               0                0              0              0             0
    >30%                                                                 0                0              0              0             0
    Bank counterparties:
    10-50%                                                               0                0              0              0             0
    50-100%                                                              0                0              0              0             0
    >100%                                                                0                0              0              0             0
es of overseas incorporated banks
                          HongKong &
          Deutsche Bank                 PIBA       Rabobank    Westpac
                           Shanghai

             31-Dec         31-Dec      31-Dec      31-Dec      30-Sep

            31-Mar-97      31-Mar-97   31-Mar-97   31-Mar-97   31-Mar-97
                 3              3           3           3           6

            31-Dec-96      31-Dec-96   31-Dec-96   31-Dec-96   31-Mar-97
                12             12          12          12           6



               0.28            4.3        -0.8        0.42        204
               0.06            0.4       -0.59        0.11         1.5

            DEM2218m      HKD22585m    AUD19m      NLG1632m    AUD638m
               0.28           1.9        0.66         0.52       1.01




                 0              0           0           0           0
                 0              0           0           0           0
                 0              0           0           0           0

                 0              0           1           0           0
                 0              0           0           0           0
                 0              0           0           0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
    Rating                                                     A+           A+/Aa3         AA          AA/Aa2         Aa3/AA-
    Issuer                                                    S&P         S&P/Moody's      S&P       S&P/Moody's     Moody's/ S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
     Tier 1 (*1)                                          Not disclosed        5.5         6.24           7.6            8.39
     Capital (*2)                                         Not disclosed        9.1        10.16          10.4           12.11
Size
   Banking group in NZ:
    Total assets (NZ$m)                                       147            N/A           277            712            1468
    Percentage change last 12 months                          N/A            N/A           1.15      Not disclosed        1.89
    Overseas banking group:
    Total assets                                          AUD3261m        NZD488340m    FRF461906m   GBP148985m      USD290354m
    Percentage change last 12 months                         5.5              7.6           1.08           5            10.16
Asset quality
   Banking group in NZ:
    Impaired assets (NZ$m)                                       0           N/A           9.37         24.06            2.15
    As a percentage of total assets                              0           N/A           3.39           3.4            0.15
    Specific provisions (NZ$m)                                   0           N/A            4.1          5.01               0
    As a percentage of impaired assets                           0           N/A          43.73          20.8               0
    Overseas banking group:
    Impaired assets                                       Not disclosed    NZD18.1b     FRF9470m     GBP3322m         USD5613m
    As a percentage of total assets                       Not disclosed       7.9          2.05          1.8             1.93
    Specific provisions                                   Not disclosed    NZD11.3b     FRF6975m     GBP1374m               0
    As a percentage of impaired assets                    Not disclosed       63          73.65         41.4                0
 Aa1/AAA         A3           AAA       Aaa/AAA        AA-/Aa3
Moody's/S&P     Moody's       S&P      Moody's/S&P   S&P/ Moody's



     5.4           9.8         7.44         9.0           7.7
     9.9          15.8        11.37        11.3          10.3


    262          3966          118         376          26310
   N/A             6.4        -68.7       N/A              73

DEM886090m    HKD1294672m   AUD3139m   NLG331317m    AUD122043m
   22.78          10.4        21.38       12.9             5


      0            1.4           0           0            148
      0              0           0           0             0.6
      0            0.7           0           0             74
      0            50            0           0             50

 DEM16.6b     HKD13348m      AUD7m     NLG5300m      AUD1030m
    1.87          1            0.24       1.6           0.8
 DEM11.2b     HKD8824m       AUD1m     NLG2375m      AUD390m
   67.47         66.1         10.15        45          37.9
                                                                      G2 Information extracted from the Key Information Summaries of overseas incorpor
                                                               Bank of Tokyo- Mit.               Crédit Agricole
                                                                                       BNP                         Barclays    Citibank (*5)
                                                                     (Aust.)                        Indoseuz
Time period covered
    Annual balance date                                              31-Dec           31-Dec         31-Dec         31-Dec        31-Dec
    Banking group in NZ:
    End of period covered by the disclosure statement               30-Jun-97        30-Jun-97      30-Jun-97      30-Jun-97     30-Jun-97
    Number of months covered by the disclosure statements                 6                6              6              6             6
    Overseas banking group:
    End of period covered by the disclosure statement               31-Dec-96        31-Dec-96      31-Dec-96      30-Jun-97     30-Jun-97
    Number of months covered by the disclosure statements               12               12             12               6             6

Profitability
   Banking group in NZ:
    Net profit after tax and extraordinary items (NZ$m)               -0.14            0.10           -0.07           3.70         1.25
    As a percentage of average total assets (annualised)              -0.19            0.06           -0.05            1.1         0.17
    Overseas banking group:
    Net profit after tax and extraordinary items                    AUD10m           FRF3856m       FRF783m        GBP925m      USD2,019m
    As a percentage of average total assets (annualised)              0.42              0.22          0.18            0.9          1.41

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
    Non-bank counterparties:
    10-20%                                                               4                0              0              0             0
    20-30%                                                               0                0              0              0             0
    >30%                                                                 0                0              0              0             0
    Bank counterparties:
    10-50%                                                               0                0              0              0             0
    50-100%                                                              0                0              0              0             0
    >100%                                                                0                0              0              0             0
es of overseas incorporated banks
                          HongKong &
          Deutsche Bank                    PIBA       Rabobank    Westpac
                           Shanghai

             31-Dec         31-Dec         31-Dec      31-Dec      30-Sep

            30-Jun-97      30-Jun-97      30-Jun-97   30-Jun-97   30-Jun-97
                  6              6              6           6           9

            30-Jun-97      30-Jun-97      31-Dec-96   31-Dec-96   31-Mar-97
                  6              6            12          12           6



               3.07             9.6          -1.7        1.08        263
               0.76             0.5         -1.32        0.24       1.30

            DEM1493m      HKD12266m       AUD19m      NLG1632m    AUD638m
               0.32       Not disclosed     0.66         0.52       1.01




                 0               0             0           0           0
                 0               0             0           0           0
                 0               0             0           0           0

                 0               0             1           0           0
                 0               0             0           0           0
                 0               0             0           0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
    Rating                                                     A+            A+/Aa3            AA          AA/Aa2       Aa2/AA-
    Issuer                                                    S&P          S&P/Moody's         S&P       S&P/Moody's   Moody's/ S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
     Tier 1 (*1)                                          Not disclosed          5.4           6.24           7.5          8.18
     Capital (*2)                                         Not disclosed          9.1          10.16          10.3         11.96
Size
   Banking group in NZ:
    Total assets (NZ$m)                                        184              349            271            351         1688
    Percentage change last 12 months                      Not applicable   Not applicable     26.10         -63.0          7.97
    Overseas banking group:
    Total assets                                           AUD3261m        FRF1861053m      FRF461906m   GBP228372m    USD304293m
    Percentage change last 12 months                          5.5              16.7             7.80        19.2          14.04
Asset quality
   Banking group in NZ:
    Impaired assets (NZ$m)                                        0              0             8.96         23.77          3.24
    As a percentage of total assets                               0              0             3.31           6.8          0.19
    Specific provisions (NZ$m)                                    0              0             4.10          4.99             0
    As a percentage of impaired assets                            0              0            45.78          21.0             0
    Overseas banking group:
    Impaired assets                                       Not disclosed     FRF63.5b        FRF9470m     GBP2972m       USD4164m
    As a percentage of total assets                       Not disclosed    Not disclosed       2.05          1.3           1.37
    Specific provisions                                   Not disclosed     FRF40.1b        FRF6975m     GBP1233m             0
    As a percentage of impaired assets                    Not disclosed           63          73.65         41.5              0
 Aa1/AAA            A3           AAA       Aaa/AAA        AA-/Aa3
Moody's/S&P        Moody's       S&P      Moody's/S&P   S&P/ Moody's



      5.3             9.4         7.44         9.0           7.7
      9.8            14.3        11.37        11.3          10.3


      406           3904          108         600          27300
Not applicable      -10.7        -65.3     1619.20             2

DEM996143m       HKD1431836m   AUD3139m   NLG331317m    AUD122043m
   16.22             17.3        21.38       12.9             5


        0             0             0           0            163
        0             0             0           0             0.6
        0             0             0           0             83
        0             0             0           0           50.9

 DEM16.6b        HKD12335m      AUD7m     NLG5300m      AUD1030m
    1.87             0.9          0.24       1.6           0.8
 DEM11.2b        HKD8181m       AUD1m     NLG2375m      AUD390m
   67.47            66.3         10.15        45          37.9
                     G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                               Bank of Tokyo- Mit.               Crédit Agricole
                                                                                       BNP                         Barclays    Citibank (*5)
                                                                     (Aust.)                        Indoseuz
Time period covered
    Annual balance date                                              31-Dec           31-Dec         31-Dec         31-Dec        31-Dec
    Banking group in NZ:
    End of period covered by the disclosure statement               30-Sep-97        30-Sep-97      30-Sep-97      30-Sep-97     30-Sep-97
    Number of months covered by the disclosure statements                 9                9              9              9             9
    Overseas banking group:
    End of period covered by the disclosure statement               31-Dec-96        31-Dec-96      31-Dec-96      30-Jun-97     30-Sep-97
    Number of months covered by the disclosure statements               12               12             12               6             9

Profitability
   Banking group in NZ:
    Net profit after tax and extraordinary items (NZ$m)               -0.31            -0.14          -0.01           6.41         1.93
    As a percentage of average total assets (annualised)              -0.23            -0.05          -0.01            1.4         0.17
    Overseas banking group:
    Net profit after tax and extraordinary items                    AUD10m           FRF3856m       FRF783m        GBP925m      USD2,530m
    As a percentage of average total assets (annualised)              0.42              0.22          0.18            0.9          1.16

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
    Non-bank counterparties:
    10-20%                                                               4                0              0              0             0
    20-30%                                                               0                0              0              0             0
    >30%                                                                 0                0              0              0             0
    Bank counterparties:
    10-50%                                                               0                0              0              0             0
    50-100%                                                              0                0              0              0             0
    >100%                                                                0                0              0              0             0
                HongKong &
Deutsche Bank                      Kookmin            PIBA     Rabobank    Westpac
                 Shanghai

      31-Dec         31-Dec            31-Dec         31-Dec    31-Dec      30-Sep

  30-Sep-97      30-Sep-97         30-Sep-97      30-Sep-97    30-Sep-97   30-Sep-97
     9              9                 9              9            9          12

  30-Sep-97      30-Jun-97         31-Dec-96      31-Dec-96    31-Dec-96   30-Sep-97
     9              6                12             12           12          12



   3.65           14.3            -0.80          -2.38         2.05         333
   2.01            0.4          Not applicable    -2.10        0.40           1.24

  DEM2383m      HKD12266m          KRW190m        AUD19m       NLG1632m    AUD1291m
 0.33           Not disclosed       0.42          0.66          0.52        1.08




  0              0                 0              0               0           0
  0              0                 0              0               0           0
  0              0                 0              0               0           0

  0              0                 0              1               0           0
  0              0                 0              0               0           0
  0              0                 0              0               0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
    Rating                                                     A+            A+/Aa3            AA          AA/Aa2       Aa2/AA-
    Issuer                                                    S&P          S&P/Moody's         S&P       S&P/Moody's   Moody's/ S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
     Tier 1 (*1)                                          Not disclosed          5.4           6.24           7.5          8.25
     Capital (*2)                                         Not disclosed          9.1          10.16          10.3         12.16
Size
   Banking group in NZ:
    Total assets (NZ$m)                                        211              582            260            564         1627
    Percentage change last 12 months                      Not applicable   Not applicable     37.54         -17.2          6.27
    Overseas banking group:
    Total assets                                           AUD3261m        FRF1861053m      FRF461906m   GBP228372m    USD300381m
    Percentage change last 12 months                          5.5              16.7             7.80        19.2          10.46
Asset quality
   Banking group in NZ:
    Impaired assets (NZ$m)                                        0              0             4.09          6.30          1.63
    As a percentage of total assets                               0              0             1.57           1.1          0.10
    Specific provisions (NZ$m)                                    0              0             3.87          5.09             0
    As a percentage of impaired assets                            0              0            94.62          80.8             0
    Overseas banking group:
    Impaired assets                                       Not disclosed      FRF63.5b       FRF9470m     GBP2972m       USD3817m
    As a percentage of total assets                       Not disclosed         3.7            2.05          1.3           1.27
    Specific provisions                                   Not disclosed      FRF40.1b       FRF6975m     GBP1233m             0
    As a percentage of impaired assets                    Not disclosed        63.1           73.65         41.5              0
 Aa1/AAA           A3          A3/A-(*7)            AAA     Aaa/AAA        AA-/Aa3
Moody's/S&P       Moody's     Moody's/S&P           S&P    Moody's/S&P   S&P/ Moody's



5.3             9.4              6.54(*8)       7.44         9.0            8.0
9.9             14.3            10.42(*8)      11.37        11.3           10.5


151             4142           21               63          645          27336
Not applcable   -14.3         Not applicable   -65.0        0.57             4

DEM986000m      HKD1431836m KRW49172642m        AUD3139m   NLG331317m    AUD118963m
12.17            17.3        21.85             21.38          12.9          2


 0                     26.3    0                0              0           162
 0                     0.6     0                0              0            0.6
 0                      0      0                0              0            79
 0                      0      0                0              0             48.8

 DEM26.7b       HKD12335m     KRW542800m           AUD7m   NLG5300m       AUD869m
3.02               0.9         1.70             0.24        1.6            0.7
 DEM11.2b       HKD8181m      KRW189300m           AUD1m   NLG2375m       AUD339m
     41.8          66.3       34.90            10.15         45           39.0
                                                    G2 Information extracted from the Key Information Summaries of overseas incorporated banks

                                                               Bank of Tokyo-                               Credit Agricole               Hongkong and
                                                                                 BNP        Citibank (*5)                   Deutsche Bank                  Kookmin
                                                                Mit.(Aust.)                                    Indosuez                     Shanghai
Time period covered
   Annual balance date                                             31 Dec        31 Dec        31 Dec           31 Dec        31 Dec         31 Dec          31 Dec
   Banking group in NZ:
   End of period covered by the disclosure statement             31 Dec 97      31 Dec 97     31 Dec 97        31 Dec 97     31 Dec 97     31 Dec 97        31 Dec 97
   Number of months covered by the disclosure statements            12             12            12               12            12            12               12
   Overseas banking group:
   End of period covered by the disclosure statement             31 Dec 96      30 Jun 97     31 Dec 97        31 Dec 96     31 Dec 97     31 Dec 97        31 Dec 97
   Number of months covered by the disclosure statements            12              6            12               12            12            12               12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             -0.23          -0.04          -4.2            4.15          2.14           12.5            -1.22
   Net profit for previous 12 months as a percentage               -0.14          -0.01         -0.26            1.28          0.92           0.3         Not applicable
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                   AUD8m         FRF3044m     USD3591m          FRF783m      DEM1019m      HKD23426m        KRW113b
   Net profit for previous 12 months as a percentage               0.23           0.32         1.22              0.18         0.11        Not disclosed      0.21
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                            3             0             0                0             0              0                0
   20-30%                                                            0             0             0                0             0              0                0
   >30%                                                              1             0             0                0             0              0                0
   Bank counterparties:
   10-50%                                                            0             0             0                0             0              0                0
   50-100%                                                           0             0             0                0             0              0                0
   >100%                                                             0             0             0                0             0              0                0
rated banks

              PIBA    Rabobank     Westpac


           31 Dec      31 Dec       30 Sep

          31 Dec 97   31 Dec 97   31 Dec 1997
             12          12            3

          31 Dec 97   31 Dec 97   30 Sep 1997
             12          12           12



              -3.31     2.93          85
               -2.7     0.54         1.22


          AUD22m      NLG1907m    AUD1291m
            0.58        0.50        1.08




               0         0            0
               0         0            0
               0         0            0

               1         0            0
               0         0            0
               0         0            0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                      A+           A+/Aa3          Aa2/AA-        AA         Aa1/AAA           A3          Caa1/BB+
   Issuer                                                     S&P         S&P/Moodys       Moodys/S&P      S&P       Moodys/S&P        Moodys      Moodys/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                           Not disclosed        5.6             8.34        6.24      Not disclosed      9.4            4.98
    Capital (*2)                                          Not disclosed        9.6            12.31       10.16          10.6           14.4           9.78
Size
   Banking group in NZ:
   Total assets (NZ$m)                                        215              697            1857         371           196            4435            43
   Percentage change last 12 months                           86.4        Not applicable      32.03       33.62         -27.28          -5.1       Not applicable
   Overseas banking group:
   Total assets                                           AUD3630m        FRF1896246m      USD310897m   FRF461906m   DEM1042964m     HKD1475449m   KRW58145b
   Percentage change last 12 months                         0.87              1.9             10.63         7.8         17.7             14          18.25
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                      0                0             11.1          0             0             28.3             0
   As a percentage of total assets                             0                0             0.6           0             0             0.6              0
   Specific provisions (NZ$m)                                  0                0              0            0             0             7.3              0
   As a percentage of impaired assets                          0                0              0            0             0             25.8             0
   Overseas banking group:
   Impaired assets                                        Not disclosed     FRF62.6b       USD3792m     FRF9470m     Not available   HKD13213m      KRW892b
   As a percentage of total assets                        Not disclosed       3.3            1.22          2.05      Not available      0.9           1.5
   Specific provisions                                    Not disclosed     FRF39.6b          0         FRF6975m     Not available   HKD9001m      KRW273.8b
   As a percentage of impaired assets                     Not disclosed       63.3            0           73.65      Not available      68.1          30.7
  AAA       Aaa/AAA        AA-/Aa3
  S&P      Moodys/S&P     S&P/Moodys



  6.02         10.4           8
  8.67         11.1          10.5


   96          679          29124
  -33.9       101.19          9

AUD4278m   NLG422990m     AUD118963m
  36.29       26.22           2


   0            0            144
   0            0            0.5
   0            0             61
   0            0            42.4

 AUD7m     NLG5300m(*6)    AUD869m
   0.17       1.6(*6)        0.7
 AUD1m     NLG2375m(*6)    AUD339m
  15.15       45(*6)         39
                                                               G2 Information extracted from the Key Information Summaries of overseas incorporated banks

                                                                               Bank of Tokyo-                                   Credit Agricole                 Hongkong and
                                                                 ABN AMRO                          BNP          Citibank (*5)                   Deutsche Bank
                                                                                Mit.(Aust.)                                        Indosuez                       Shanghai
Time period covered
   Annual balance date                                              31-Dec        31-Dec          31-Dec           31-Dec           31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement               31-Mar-98     31-Mar-98       31-Mar-98        31-Mar-98        31-Mar-98     31-Mar-98        31-Mar-98
   Number of months covered by the disclosure statements               1             3               3                3                3             3                3
   Overseas banking group:
   End of period covered by the disclosure statement               31-Dec-97     31-Dec-97       31-Dec-97        31-Mar-98        31-Dec-97     31-Mar-98        31-Dec-97
   Number of months covered by the disclosure statements              12            12              12                3               12             3               12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)               0.40           0.1             0.35            2.07             0.12           0.54             1.8
   Net profit for previous 12 months as a percentage                 3.2             0               0              0.44              0             0.9              0.2
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                    NLG3853        AUD8m          FRF5962m        USD1065m         FRF1215m       DEM891m         HKD23426m
   Net profit for previous 12 months as a percentage                 0.50          0.23         Not disclosed      1.38             0.19           0.32             1.7
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                             0              2               0                0               0              0               0
   20-30%                                                             0              0               0                0               0              0               0
   >30%                                                               0              1               0                0               0              0               0
   Bank counterparties:
   10-50%                                                             0              0               0                0               0              0               0
   50-100%                                                            0              0               0                0               0              0               0
   >100%                                                              0              0               0                0               0              0               0
corporated banks

        Kookmin       PIBA       Rabobank    Westpac


          31-Dec      31-Dec      31-Dec      30-Sep

        31-Mar-98    31-Mar-98   31-Mar-98   31-Mar-98
            3            3           3           6

         31-Dec-97   31-Dec-97   31-Dec-97   31-Mar-98
            12          12          12           6



           -0.28       -0.74       2.68        150
           -2.46       -1.04       0.22        1.09


        KRW113b      AUD22m      NLG1907m    AUD666m
          0.21         0.58        0.50        0.97




            0           0           0           0
            0           0           0           0
            0           0           0           0

            0           2           0           0
            0           0           0           0
            0           0           0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                   AA/Aa1              A            A+/Aa3          Aa2/AA-         AA         Aa1/AAA         A3
   Issuer                                                 S&P/Moodys           S&P         S&P/Moodys       Moody's/S&P      S&P       Moody's/S&P     Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                6.96        Not disclosed        5.9             8.07         5.31         5.2            9.4
    Capital (*2)                                              10.65        Not disclosed        9.9            11.94         8.84         10.5          14.4
Size
   Banking group in NZ:
   Total assets (NZ$m)                                         226             251              969            1997          373           195          4618
   Percentage change last 12 months                       Not applicable        71         Not applicable       36           0.35         -25.4         16.2
   Overseas banking group:
   Total assets                                             NLG836b        AUD3630m        FRF2034900m      USD330414m    FRF831967m   DEM1188323m   HKD1475449m
   Percentage change last 12 months                           40             0.87              9.3             13.8          80.1         13.93          14
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                       0               0                0             13.7           0             0           46.7
   As a percentage of total assets                              0               0                0             0.69           0             0            1
   Specific provisions (NZ$m)                                   0               0                0              0             0             0           12.3
   As a percentage of impaired assets                           0               0                0              0             0             0           26.3
   Overseas banking group:
   Impaired assets                                        NLG11035m        Not disclosed     FRF62.6b       USD3950m      FRF9470m      DEM5600m     HKD13213m
   As a percentage of total assets                           1.32          Not disclosed       3.3             1.2           2.05          0.54          0.9
   Specific provisions                                    NLG6377m         Not disclosed     FRF39.6b           0         FRF6975m      DEM11360     HKD9001m
   As a percentage of impaired assets                         58           Not disclosed       63.3             0           73.65         202.9         68.1
 Caa1/BB+          AAA       Aaa/AAA       AA-/Aa3
Moody's/S&P        S&P      Moody's/S&P   S&P/Moody's



    4.98           6.02        10.4           6.8
    9.78           8.67        11.1           9.0


     47             71         1238          28839
Not applicable     -39.7      229.26          10

KRW58145b        AUD4278m   NLG422990m    AUD136059m
  18.25            36.29       26.22          11


      0             0          3.39          157
      0             0          0.27           0.5
      0             0          1.5            60
      0             0           44           38.2

 KRW892b          AUD7m     NLG5575m       AUD907m
   1.5              0.17       2.2           0.7
 KRW274b          AUD1m     NLG2464m       AUD336m
   30.7            15.15       44            37
                                                   G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bank of Tokyo-                                             Hongkong and
                                                               ABN AMRO                        BNP       Citibank (*5) Deutsche Bank                  Kookmin
                                                                             Mit.(Aust.)                                                 Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec         31-Dec        30-Dec        30-Dec          31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-98     30-Jun-98      30-Jun-98     30-Jun-98     30-Jun-98       30-Jun-98    30-Jun-98
   Number of months covered by the disclosure statements            6             6              6             6             6               6            6
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-98     31-Dec-97      31-Dec-97     30-Jun-98     30-Jun-98       30-Jun-98    31-Dec-97
   Number of months covered by the disclosure statements            6            12             12             6             6               6           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            0.87           0.10          0.97          5.37          0.98             5.3         -1.12
   Net profit for previous 12 months as a percentage              1.3            0.10          0.11          0.55          0.21             0.2          -4.5
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                NLG2593m        AUD8m         FRF5962m     USD2162m       DM2431m        HKD7538m      KRW112.8b
   Net profit for previous 12 months as a percentage              0.6           0.23           0.31         1.36           0.40            n/a          0.21
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          0              3             0             0             0               0             0
   20-30%                                                          0              0             0             0             0               0             0
   >30%                                                            0              1             0             0             0               0             0
   Bank counterparties:
   10-50%                                                          0              0             0             0             0               0             0
   50-100%                                                         0              0             0             0             0               0             0
   >100%                                                           0              0             0             0             0               0             0
rated banks

          PIBA       Rabobank    Westpac

          31-Dec      31-Dec      30-Sep

         30-Jun-98   30-Jun-98   30-Jun-98
             6           6           9

         31-Dec-97   31-Dec-97   31-Mar-98
            12          12           6



             -1        6.13        237
           -3.18       1.10        1.10


         AUD22m      NLG1907m    AUD666m
           0.58        0.50        0.97




              0         0           0
              0         0           0
              0         0           0

              2         0           0
              0         0           0
              0         0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                  Aa1/AA            A+           A+/Aa3       Aa2/AA-       Aa1/AA+         A3          BB+/Ba1
   Issuer                                                 Moody's/S&P       S&P         S&P/Moody's   Moody's/S&P   Moody's/S&P     Moody's     S&P/Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                               7.24          6.45            5.9           8.29         5.1           9.9           4.98
    Capital (*2)                                             10.97         10.15            9.9          12.05         10.3          14.2          9.78
Size
   Banking group in NZ:
   Total assets (NZ$m)                                        335           275            1099          2035          1406          4806           57
   Percentage change last 12 months                           340           49.5           215           20.51         196           23.1          32.69
   Overseas banking group:
   Total assets                                           NLG1001.2b    AUD3630m         FRF2035b     USD330751m    DM1215700m    HKD1458451m   KRW58145b
   Percentage change last 12 months                          20           0.87              9.3          8.69         22.04           1.9         18.25
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                      0             0               0           11.55           0           44.5            0
   As a percentage of total assets                             0             0               0            0.57           0           1.0             0
   Specific provisions (NZ$m)                                  0             0               0             0             0           13.5            0
   As a percentage of impaired assets                          0             0               0             0             0           30.3            0
   Overseas banking group:
   Impaired assets                                        NLG11035m     Not disclosed    FRF61.8b     USD3836m      DM5600m       HKD23371m     KRW892.1b
   As a percentage of total assets                           1.32       Not disclosed      3.17         1.16           0.54          1.6          1.53
   Specific provisions                                    NLG6377m      Not disclosed    FRF39.5b        0          DM11400m      HKD14542m     KRW273.8b
   As a percentage of impaired assets                         58        Not disclosed      63.9          0            203.6          62.2         30.7
  AAA       AAA/Aaa       AA-/Aa3
  S&P      S&P/Moody's   S&P/Moody's



  6.02        10.4           6.8
  8.67        11.1            9


   23         1274          29880
 -79.20      116.52          9.2

AUD4278m   NLG422990m    AUD136059m
  36.29       26.22         11.5


   0           3.37         153
   0           0.26         0.5
   0           1.78          58
   0          52.82         37.9

 AUD7m     NLG5575m       AUD907m
   0.17       2.2           0.7
 AUD1m     NLG2464m       AUD336m
  15.15       44            37
                                                   G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bank of Tokyo-                                             Hongkong and
                                                               ABN AMRO                        BNP       Citibank (*5) Deutsche Bank                  Kookmin
                                                                             Mit.(Aust.)                                                 Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec         31-Dec        31-Dec        31-Dec          31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Sep-98     30-Sep-98      30-Sep-98     30-Sep-98     30-Sep-98       30-Sep-98    30-Sep-98
   Number of months covered by the disclosure statements            9             9              9             9             9               9            9
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-98     31-Dec-97      30-Jun-98     30-Sep-98     30-Sep-98       30-Jun-98    31-Dec-97
   Number of months covered by the disclosure statements            6            12              6             9             9               6           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            0.65           0.25          2.1           7.8           2.55            14.4         -0.64
   Net profit for previous 12 months as a percentage              0.5            0.11          0.26          0.52          0.8             0.4          -1.45
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                NLG2593m        AUD8m         FRF3797m     USD2692m      DEM2578m        HKD7538m      KRW113b
   Net profit for previous 12 months as a percentage              0.6           0.23           0.37         1.11          0.24            N/A           0.21
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          0              3             0             0             0               0            0
   20-30%                                                          0              0             0             0             0               0            0
   >30%                                                            0              1             0             0             0               0            0
   Bank counterparties:
   10-50%                                                          0              0             0             0             0               0            0
   50-100%                                                         0              0             0             0             0               0            0
   >100%                                                           0              0             0             0             0               0            0
rated banks

          PIBA        Rabobank    Westpac

          31-Dec       31-Dec      30-Sep

         30-Sep-98    30-Sep-98   30-Sep-98
             9            9          12

         31-Dec-97    31-Dec-97   30-Sep-98
            12           12          12



              -1.28     9.69        341
               -5.6     0.72        1.21


          AUD22m      NLG1907m    AUD1272m
            0.58        0.50        0.91




               0         0           0
               0         0           0
               0         0           0

               1         0           0
               0         0           0
               0         0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                  Aa1/AA          A-        A+/Aa3       Aa2/AA-       Aa1/AA+         A3          BB+/Ba1
   Issuer                                                 Moody's/S&P     S&P      S&P/Moody's   Moody's/S&P   Moody's/S&P     Moody's     S&P/Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                               7.24         6.78       6.4            8.03         5.1           9.9           4.98
    Capital (*2)                                             10.97        10.66       10.3          11.71         10.1          14.2          9.78
Size
   Banking group in NZ:
   Total assets (NZ$m)                                        376          248        1538          2069           487          4483           76
   Percentage change last 12 months                           393         17.75       164           27.19          222          8.26          77.74
   Overseas banking group:
   Total assets                                            NLG1001b     AUD3630m    FRF2090b     USD343340m    DEM1155800m   HKD1458451m   KRW58145b
   Percentage change last 12 months                           20          0.87        10.2          14.30         10.81          1.9         18.25
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                      0           0            0           0.7             0           13.4            0
   As a percentage of total assets                             0           0            0           0.03            0           0.3             0
   Specific provisions (NZ$m)                                  0           0            0            0              0           10.7            0
   As a percentage of impaired assets                          0           0            0            0              0           79.8            0
   Overseas banking group:
   Impaired assets                                        NLG11035m      AUD4m      FRF61.7b     USD3938m      DEM5600m      HKD23371m      KRW892b
   As a percentage of total assets                           1.32          0.10       2.95         1.15           0.54          1.6           1.53
   Specific provisions                                    NLG6377m       AUD1m      FRF38.8b        0          DEM11400m     HKD14542m      KRW274b
   As a percentage of impaired assets                         58          29.57       62.9          0            203.6          62.2          30.7
  AAA       AAA/Aaa       AA-/Aa3
  S&P      S&P/Moody's   S&P/Moody's



  6.02        10.4           6.8
  8.67        11.1           9.4


   23         1376          28833
  -44.4       7.35           4.8

AUD4278m   NLG422990m    AUD137319m
  36.29       26.22         15.4


   0          3.34          152
   0          0.25          0.5
   0          2.81           51
   0           84           33.6

 AUD7m     NLG5575m       AUD852m
   0.17       2.2           0.6
 AUD1m     NLG2464m       AUD362m
  15.15       44            42.5
                                                           G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                        Bank of Tokyo-                                             Hongkong and
                                                               ABN AMRO     AMP Bank                       BNP       Citibank (*5) Deutsche Bank
                                                                                         Mit.(Aust.)                                                 Shanghai
Time period covered
   Annual balance date                                           31-Dec      31-Dec        31-Dec         31-Dec        31-Dec        31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-98   31-Dec-98     31-Dec-98      31-Dec-98    31-Dec-98      31-Dec-98       31-Dec-98
   Number of months covered by the disclosure statements           12          12            12             12           12             12              12
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-98   31-Dec-98     31-Dec-98      31-Dec-97    31-Dec-98      31-Dec-98       31-Dec-98
   Number of months covered by the disclosure statements            6          12            12             12           12             12              12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            2.65        -1.02          0.51          1.35          4.8           1.33            17.8
   Net profit for previous 12 months as a percentage              1.4         -0.21          0.21          0.2           0.25          0.22            0.4
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                 NLG2593m    AUD-12m       AUD10m         FRF5962m     USD2810m      DEM3376m        HKD13350m
   Net profit for previous 12 months as a percentage               0.6        -0.59         0.30           0.31         0.85          0.30             0.9
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          0           0              2             0             0             0               0
   20-30%                                                          0           0              0             0             0             0               0
   >30%                                                            0           0              1             0             0             0               0
   Bank counterparties:
   10-50%                                                          0           0              0             0             0             0               0
   50-100%                                                         0           0              0             0             0             0               0
   >100%                                                           0           0              0             0             0             0               0
ncorporated banks

         Kookmin       PIBA      Rabobank    Westpac

          31-Dec      31-Dec      31 Dec      30-Sep

         31-Dec-98   31-Dec-98   31-Dec-98   31-Dec-98
            12          12          12           3

         31-Dec-98   31-Dec-98   31-Dec-97   30-Sep-98
            12          12          12          12



           0.24        -1.21       11.44        80
           0.35         2.33        0.88       1.15


         KRW-322b    AUD96.17m   NLG1907m    AUD1272m
           -0.46       2.29        0.50        0.91




            0            0          0           0
            0            0          0           0
            0            0          0           0

            0            0          0           0
            0            0          0           0
            0            0          0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                  Aa2/AA         AA/A2         A-        A+/Aa3       Aa2/AA-       Aa1/AA+           A3
   Issuer                                                 Moody's/S&P   S&P/Moody's    S&P      S&P/Moody's   Moody's/S&P   Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                               7.24         15.37        7.68        5.9           8.41      Not disclosed      10.3
    Capital (*2)                                             10.97         15.60       11.72        9.9          12.55          11.5           14.6
Size
   Banking group in NZ:
   Total assets (NZ$m)                                       310           487          270        1058          1787           524            4382
   Percentage change last 12 months                          N/A           N/A         25.32       51.8          -3.76         -24.50          -1.2
   Overseas banking group:
   Total assets                                            NLG1001b     AUD2021m      AUD3330    FRF2035b     USD343620m    DEM1225530m     HKD1477575m
   Percentage change last 12 months                           20          N/A          -8.27       N/A           10.53         17.5             0.1
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                      0             0           0           0             0             0             11.4
   As a percentage of total assets                             0             0           0           0             0             0             0.3
   Specific provisions (NZ$m)                                  0             0           0           0             0             0             6.7
   As a percentage of impaired assets                          0             0           0           0             0             0             58.8
   Overseas banking group:
   Impaired assets                                         NLG11.0b          0        AUD4m      FRF61.8b     USD4074m      DEM6100m        HKD36925m
   As a percentage of total assets                           1.32            0          0.11       3.17         1.19           0.50            2.5
   Specific provisions                                     NLG6.4b           0        AUD1m      FRF39.5b        0          DEM11051m       HKD18242m
   As a percentage of impaired assets                         58             0         31.19       63.9          0            181.2            49.4
  BB/Ba1        AAA       AAA/Aaa       AA-/Aa3
S&P/Moody's     S&P      S&P/Moody's   S&P/Moody's



    5.65        10.65       10.4           6.8
   10.09        15.21       11.1           9.4


  96.69         2.21        1360          29384
  125.80       -97.70      123.32          0.9

KRW81975b     AUD3426m   NLG422990m    AUD137319m
  40.98         -19.54      26.22         15.4


     0           0          15.95         138
     0           0           1.17         0.5
     0           0           3.66          50
     0           0          22.96         36.2

KRW2595b       AUD9m     NLG5575m       AUD852m
  2.29           0.27       2.2           0.6
KRW1297b       AUD2m     NLG2464m       AUD362m
  49.9          15.83       44            42.5
                                                           G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                        Bank of Tokyo-                                             Hongkong and
                                                               ABN AMRO     AMP Bank                       BNP       Citibank (*5) Deutsche Bank
                                                                                         Mit.(Aust.)                                                 Shanghai
Time period covered
   Annual balance date                                           31-Dec      31-Dec        31-Dec         31-Dec        31-Dec        31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Mar-99   31-Mar-99     31-Mar-99      31-Mar-99    31-Mar-99      31-Mar-99       31-Mar-99
   Number of months covered by the disclosure statements            3           3             3              3            3              3               3
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-98   31-Dec-98     31-Dec-98      31-Dec-98    31-Mar-99      31-Mar-99       31-Dec-98
   Number of months covered by the disclosure statements           12          12            12             12            3              3              12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            1.60        -0.6           0.26          0.48          0.98           3.2             6.3
   Net profit for previous 12 months as a percentage              1.0         N/A            0.11          0.04          0.19           2.8             0.5
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                 NLG4384m    AUD-12m       AUD10m         FRF7309m     USD1125m       EUR621m        HKD13350m
   Net profit for previous 12 months as a percentage               0.5        N/A           0.30           0.35         0.85           0.38            0.9
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          0           0              2             0             0             0               0
   20-30%                                                          0           0              0             0             0             0               0
   >30%                                                            0           0              1             0             0             0               0
   Bank counterparties:
   10-50%                                                          0           0              0             0             0             0               0
   50-100%                                                         0           0              0             0             0             0               0
   >100%                                                           0           0              0             0             0             0               0
ncorporated banks

         Kookmin      PIBA       Rabobank    Westpac

          31-Dec      31-Dec      31-Dec      30-Sep

         31-Mar-99   31-Mar-99   31-Mar-99   31-Mar-99
             3           3           3           6

         31-Dec-98   31-Dec-98   31-Dec-98    31-Mar
            12          12          12           6



           0.41         0          3.64        171
           0.57         0          0.67        1.23


         KRW-322b    AUD96m      NLG2062m    AUD701m
           -0.46       2.29        0.40        0.95




            0           0           0           0
            0           0           0           0
            0           0           0           0

            0           0           0           0
            0           0           0           0
            0           0           0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                  Aa2/AA         AA/A2          A-        A+/Aa3       Aa2/AA-        AA/Aa3         A3
   Issuer                                                 Moody's/S&P   S&P/Moody's     S&P      S&P/Moody's   Moody's/S&P   S&P/Moody's     Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                               6.94         15.37         7.62       6.4            8.35         5.8           10.3
    Capital (*2)                                             10.48         15.60        11.52       10.4          12.15         10.6          14.6
Size
   Banking group in NZ:
   Total assets (NZ$m)                                        558          783           246        1422          1966           620          3987
   Percentage change last 12 months                           147          N/A          -1.70       46.8          -1.54         111.2         -13.7
   Overseas banking group:
   Total assets                                            NLG952b      AUD2021m      AUD3330m    FRF2131b     USD347248m    EUR677200m    HKD1477575m
   Percentage change last 12 months                          14           N/A           -8.27        4.7          5.09          8.08           0.1
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                      0             0           0            0             0             0           12.5
   As a percentage of total assets                             0             0           0            0             0             0           0.3
   Specific provisions (NZ$m)                                  0             0           0            0             0             0           6.7
   As a percentage of impaired assets                          0             0           0            0             0             0           53.6
   Overseas banking group:
   Impaired assets                                         NLG14.5b          0        AUD3.5m     FRF64.2b     USD4067m      EUR3119m      HKD36925m
   As a percentage of total assets                           1.52            0          0.11        3.01         1.17           0.50          2.5
   Specific provisions                                     NLG9.1b           0        AUD1.3m       40.2          0          EUR5650m      HKD18242m
   As a percentage of impaired assets                         63             0         31.74        62.6          0            181.2          49.4
  BB/Ba1        AAA       AAA/Aaa       AA-/Aa3
S&P/Moody's     S&P      S&P/Moody's   S&P/Moody's



    5.65        10.65       10.3           6.8
   10.09        15.21       11.1           9.1


    96            0         1970          29558
   102.2        -100        59.14           2

KRW81975b     AUD3426m   NLG550307m    AUD138536m
  40.98         -19.54      30.10          2


     0           0          17.49         133
     0           0           0.89         0.4
     0           0           3.98          51
     0           0           3.24         38.3

KRW2595b       AUD9m     NLG6380m       AUD752m
  2.29           0.27       2.1           0.5
KRW1297b       AUD2m     NLG3053m       AUD350m
  49.9          15.83       48            46.5
                                                          G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                           Bank of Tokyo-                                             Hongkong and
                                                                ABN AMRO      AMP Bank                        BNP       Citibank (*5) Deutsche Bank
                                                                                            Mit.(Aust.)                                                 Shanghai
Time period covered
   Annual balance date                                             31-Dec       31-Dec        31-Dec         31-Dec        31-Dec        31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement              30-Jun-99    30-Jun-99     30-Jun-99      30-Jun-99     30-Jun-99     30-Jun-99       30-Jun-99
   Number of months covered by the disclosure statements              6            6             6              6             6             6               6
   Overseas banking group:
   End of period covered by the disclosure statement              30-Jun-99   31-Dec-98      31-Dec-98      31-Dec-98     30-Jun-99     30-Jun-99       30-Jun-99
   Number of months covered by the disclosure statements              6          12             12             12             6             6               6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)              9.37         -4.84          0.41          1.00          4.29           4              13.7
   Net profit for previous 12 months as a percentage                2.7           N/A           0.33          0.11          0.19          0.23            0.6
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                  NLG3500m     AUD-12m        AUD10m         FRF7309m     USD2292m      EURO1802m       HKD10139m
   Net profit for previous 12 months as a percentage                0.5         N/A            0.30           0.35         0.85           0.49            N/A
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                            0            0              2             0             0             0               0
   20-30%                                                            0            0              0             0             0             0               0
   >30%                                                              0            0              1             0             0             0               0
   Bank counterparties:
   10-50%                                                            0            0              0             0             0             0               0
   50-100%                                                           0            0              0             0             0             0               0
   >100%                                                             0            0              0             0             0             0               0
orated banks

          Kookmin      Rabobank    Westpac

            31-Dec      31-Dec      30 Sep

           30-Jun-99   30-Jun-99   30-Jun-99
               6           6           9

          31-Dec-98    31-Dec-98   31-Mar-99
             12           12           6



               0.31      9.31        249
               1.85      0.93        1.21


          KRW-322b     NLG2062m    AUD701m
            -0.46        0.42        0.93




                0         0           0
                0         0           0
                0         0           0

                0         0           0
                0         0           0
                0         0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                  Aa2/AA         A2/AA          A-        A+/Aa3       Aa2/AA-        AA/Aa3         A3
   Issuer                                                 Moody's/S&P   Moody's/S&P     S&P      S&P/Moody's   Moody's/S&P   S&P/Moody's     Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                               7.26         15.37         8.81       6.4            8.63         5.4           11.4
    Capital (*2)                                             11.05         15.60        12.91       10.4          12.52         11.0          15.4
Size
   Banking group in NZ:
   Total assets (NZ$m)                                        502          1073         213         1480          1772          5578          3896
   Percentage change last 12 months                            50          N/A         -22.96       34.7         -12.91         297           -18.9
   Overseas banking group:
   Total assets                                           NLG1023.6b    AUD2021m      AUD3330m    FRF2131b     USD352358m    EUR847568m    HKD1553228m
   Percentage change last 12 months                           2           N/A           -8.27        4.7          6.53          36.36          6.3
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                      0            0.91         0            0             0             0           12.8
   As a percentage of total assets                             0            0.09         0            0             0             0           0.3
   Specific provisions (NZ$m)                                  0            0.19         0            0             0             0           2.3
   As a percentage of impaired assets                          0           20.89         0            0             0             0           18.0
   Overseas banking group:
   Impaired assets                                         NLG14.5b          0         AUD4m      FRF64.2b     USD4116m      EUR3119m      HKD41288m
   As a percentage of total assets                           1.52            0           0.10       3.01         1.17           0.50          2.7
   Specific provisions                                     NLG9.1b           0         AUD1m      FRF40.2b        0          EUR5650m      HKD20786m
   As a percentage of impaired assets                         63             0          32.28       62.6          0            181.2          50.3
  BB/Ba1       AAA/Aaa       AA-/Aa3
S&P/Moody's   S&P/Moody's   S&P/Moody's



   5.65          10.3           6.8
   10.09         11.1           9.1


    124          2101          29075
   118.8         64.91           -3

KRW81975b     NLG550307m    AUD138536m
  40.98          30.10          2


     0           17.8          124
     0           0.85          0.4
     0           4.16           42
     0           23.37         33.9

KRW2595b      NLG6380m       AUD752m
  2.29          1.16           0.5
KRW1297b      NLG3053m       AUD350m
  49.9           48            46.5
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                           Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                          BNP        Citibank (*5) Deutsche Bank
                                                                                            Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec         31-Dec          31-Dec         31-Dec        31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Sep-99     30-Sep-99      30-Sep-99       30-Sep-99      30-Sep-99     30-Sep-99       30-Sep-99
   Number of months covered by the disclosure statements            9             9              9               9              9             9               9
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-99     31-Dec-98      31-Dec-98       31-Dec-98      30-Sep-99     30-Sep-99       30-Jun-99
   Number of months covered by the disclosure statements            6            12             12              12              9             9               6
Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            9.35          -7.38           0.49           1.7            7.38          113             19.3
   Net profit for previous 12 months as a percentage              1.8            N/A            0.24           0.06           0.23          3.50            0.5
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                NLG3500m       AUD-12m        AUD10m          FRF7309m      USD3868m      EURO1879m       HKD10139m
   Net profit for previous 12 months as a percentage              0.5           N/A            0.30            0.35          1.13           0.32            N/A
   of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0             0              1               0             0              0              0
   20-30%                                                           0             0              0               0             0              0              0
   >30%                                                             0             0              1               0             0              0              0
   Bank counterparties:
   10-50%                                                           0             0              0               0             0              0              0
   50-100%                                                          0             0              0               0             0              0              0
   >100%                                                            0             0              0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA         A2/AA           A-/A2          A+/Aa3       Aa2/AA-        Aa3/AA            A3
   Issuer                                                      Moody's/S&P   Moody's/S&P       S&P          S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    7.26         15.37           9.26           6.4             8.09         5.6             11.4
    Capital (*2)                                                  11.05         15.60           13.5           10.4           12.16         11.4            15.4
Size
orated banks

         Kookmin      Rabobank       Westpac

          31-Dec        31-Dec        30-Sep

         30-Sep-99     30-Sep-99     30-Sep-99
             9             9            12

         31-Dec-98     31-Dec-98     30-Sep-99
            12            12            12


           0.70          14.79         332
           1.47           0.97         1.13


         KRW-322b     NLG2062m      AUD1456m
           -0.46        0.40          1.04




               0           0             0
               0           0             0
               0           0             0

               0           0             0
               0           0             0
               0           0             0


          BB/Ba1       AAA/Aaa       AA-/Aa3
        S&P/Moody's   S&P/Moody's   S&P/Moody's



            5.65         10.3           7.0
           10.09         11.1           9.2
  Banking group in NZ:
  Total assets (NZ$m)                     897         1157       166        1799        1746         5906          4249
  Percentage change last 12 months        139         N/A       -32.94      16.9       -15.63        1113          -5.2
  Overseas banking group:
  Total assets                         NLG1023.6b   AUD2021m   AUD3330m   FRF2131b   USD368495m   EURO834732m   HKD1553228m
  Percentage change last 12 months         2          N/A        -8.27       4.7        2.91         41.26          6.3
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          0.49        0          0           0             0           12.4
  As a percentage of total assets          0          0.04        0          0           0             0           0.3
  Specific provisions (NZ$m)               0          0.02        0          0           0             0           2.5
  As a percentage of impaired assets       0          4.12        0          0           0             0           20.2
  Overseas banking group:
  Impaired assets                      NLG14.5b        0        AUD4m     FRF64.2b   USD4261m     EURO3119m     HKD41288m
  As a percentage of total assets        1.52          0          0.11      3.01       1.16          0.50          2.7
  Specific provisions                  NLG9.1b         0        AUD1m     FRF40.2b      0         EURO5650m     HKD20786m
  As a percentage of impaired assets      63           0         32.28      62.6        0           181.2          50.3
   140         2023        29555
  83.92        47.10         3

KRW81975b   NLG550307m   AUD140220m
  40.98        30.10         2


    0          12.30        128
    0           0.61        0.4
    0           3.92         41
    0          31.87        32.0

KRW2595b    NLG6380m      AUD644m
  2.29         2.1          0.5
KRW1297b    NLG3053m      AUD330m
  49.9         48           51.2
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                           Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                          BNP        Citibank (*5) Deutsche Bank
                                                                                            Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec         31-Dec          31-Dec         31-Dec        31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-99     31-Dec-99      31-Dec-99       31-Dec-99     31-Dec-99      31-Dec-99       31-Dec-99
   Number of months covered by the disclosure statements           12            12             12              12            12             12              12
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-99     31-Dec-99      31-Dec-99       31-Dec-98     31-Dec-99      31-Dec-99       31-Dec-99
   Number of months covered by the disclosure statements           12            12             12              12            12             12              12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            8.16           -10            0.61           2.6           11.27          114             23.8
   Net profit for previous 12 months as a percentage              1.7           -0.81           0.27           0.17           0.62          3.09            0.5
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR2570m       -AUD42m         -AUD1m         FRF7309m      USD5195m      EURO2600m       HKD21070m
   Net profit for previous 12 months as a percentage              0.6           -1.35           -0.03          0.35          1.41           0.35            1.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0             0              1               0             0              0              0
   20-30%                                                           0             0              0               0             0              0              0
   >30%                                                             0             0              0               0             0              0              0
   Bank counterparties:
   10-50%                                                           0             0              0               0             0              0              0
   50-100%                                                          0             0              0               0             0              0              0
   >100%                                                            0             0              0               0             0              0              0

Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA          A2/A            A-            A+/Aa3       Aa2/AA-        Aa3/AA            A3
   Issuer                                                      Moody's/S&P   Moody's/S&P       S&P          S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's

Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
orated banks

         Kookmin      Rabobank       Westpac

          31-Dec        31-Dec        30-Sep

         31-Dec-99     31-Dec-99     31-Dec-99
            12            12             3

         31-Dec-99     31-12-99      30-Sep-99
            12            12            12



           1.0           18.68          84
           0.64           0.98         1.12


         -KRW28b      EUR1020m      AUD1456m
           -0.04        0.38          1.04




               0           0             0
               0           0             0
               0           0             0

               0           0             0
               0           0             0
               0           0             0



          Ba1/BB       AAA/Aaa       AA-/Aa3
        Moody's/S&P   S&P/Moody's   S&P/Moody's
  Tier 1 (*1)                             7.2         8.16       7.73      6.4          8.11        5.6            9.6
  Capital (*2)                           10.86       12.64      11.56      10.4        12.10        11.4           14.0

Size
   Banking group in NZ:
  Total assets (NZ$m)                     670        2466       181        1204        1750         6857          4512.9
  Percentage change last 12 months        116        397       -32.91      13.8        -2.07        1211           3.0
  Overseas banking group:
  Total assets                         EUR457.9b   AUD4943m   AUD3303m   FRF2131b   USD388570m   EURO840000m   HKD1637892m
  Percentage change last 12 months        6.0        145        -0.82       4.7        9.17         34.10         10.6

Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          2.11       0          0           0             0            12.2
  As a percentage of total assets          0          0.09       0          0           0             0            0.3
  Specific provisions (NZ$m)               0          0.30       0          0           0             0            2.6
  As a percentage of impaired assets       0         14.48       0          0           0             0            21.3
  Overseas banking group:
  Impaired assets                      EUR6.6b     AUD1.7m    AUD42m     FRF64.2b   USD4131m     EURO3119m     HKD43330m
  As a percentage of total assets        1.52        0.03       1.29       3.01       1.06          0.50          2.6
  Specific provisions                  EUR4.1b     AUD0.2m    AUD27m     FRF40.2b      0         EURO5650m     HKD23177m
  As a percentage of impaired assets     63.0       14.54      64.17       62.6        0           181.2          53.5
   7.26        10.0         7.0
  11.38        10.5         9.2



   218         2060        31591
  125.60       51.50         8

KRW72980b   EUR281218m   AUD140220m
  -10.97       12.61         2



    0          11.45        119
    0           0.56        0.4
    0           3.44         35
    0          30.04        29.4

KRW5100b    EUR3727m      AUD644m
   7.71       1.33          0.5
KRW2268b    EUR1480m      AUD330m
  44.47       40.0          51.2
                                                               G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                                 Bank of Tokyo-
                                                                     ABN AMRO      AMP Bank                          BNP        Citibank (*5)   Deutsche Bank
                                                                                                   Mit.(Aust.)
Time period covered
   Annual balance date                                                31-Dec-99      31-Dec          31-Dec         31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement                  31-Mar-00     31-Mar-00      31-Mar-00       31-Mar-00      31-Mar-00       31-Mar-00
   Number of months covered by the disclosure statements                  3             3              3               3              3               3
   Overseas banking group:
   End of period covered by the disclosure statement                  31-Dec-99     31-Dec-99      31-Dec-99       31-Dec-98      31-Mar-00       31-Mar-00
   Number of months covered by the disclosure statements                 12            12             12              12              3               3

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)                  -0.68          -3.8           0.18           0.57           4.85             5
   Net profit for previous 12 months as a percentage                     -0.1         -0.15           0.09           0.17           0.84            2.31
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                       EUR2570m      -AUD42m         -AUD1m         FRF7309b       US2145m         EURO960m
   Net profit for previous 12 months as a percentage                     0.6          -1.35           -0.03          0.35           1.67            0.36
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                                 0             0              2               0              0               0
   20-30%                                                                 0             0              0               0              0               0
   >30%                                                                   0             0              0               0              0               0
   Bank counterparties:
   10-50%                                                                 0             3              0               0              0               0
   50-100%                                                                0             0              0               0              0               0
   >100%                                                                  0             0              0               0              0               0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                             Aa2/AA          A2/A             A-           A+/Aa3       Aa2/AA-          Aa3/AA
   Issuer                                                            Moody's/S&P   Moody's/S&P        S&P         S&P/Moody's   Moody's/S&P      Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                          7.2          8.16           7.86            6.4            8.07            6.0
    Capital (*2)                                                        10.86         12.64          11.83           10.4           12.0            11.8
s incorporated banks
        Hongkong and
                        Kookmin      Rabobank       Westpac
          Shanghai

           31-Dec        31-Dec        31-Dec        30-Sep

          31-Mar-00     31-Mar-00     31-Mar-00     31-Mar-00
              3             3             3             6

          31-Dec-99     31-Dec-99     31-Dec-99     31-Mar-00
             12            12            12             6



             6.0          0.57          2.84          186
             0.5          0.66          0.87          1.13


         HKD21070m      -KRW28b      EUR1020m       AUD818m
            1.3           -0.04        0.38           1.06




             0              0             0             0
             0              0             0             0
             0              0             0             0

             0              0             0             0
             0              0             0             0
             0              0             0             0


            A3           Ba1/BB       AAA/Aaa       AA-/Aa3
           Moody's     Moody's/S&P   S&P/Moody's   S&P/Moody's



             9.6          7.26          10.0           7.2
            14.0          11.38         10.5           9.3
Size
   Banking group in NZ:
  Total assets (NZ$m)                     606        2527       153        1751       1825         9442
  Percentage change last 12 months        8.7         397      -38.03      23.1       -7.18        1423
  Overseas banking group:
  Total assets                         EUR457.9b   AUD4943m   AUD3303m   FRF2131b   US400058m   EURO953062m
  Percentage change last 12 months        6.0        145        -0.82       4.7       11.05        40.73
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0         1.04        0          0           0            0
  As a percentage of total assets          0         0.05        0          0           0            0
  Specific provisions (NZ$m)               0         0.19        0          0           0            0
  As a percentage of impaired assets       0         18.34       0          0           0            0
  Overseas banking group:
  Impaired assets                      EUR7.6b     AUD1.7m    AUD46m     FRF64.2b   US4114m     EURO4100m
  As a percentage of total assets         1.7        0.03       1.38       3.01       1.03         0.49
  Specific provisions                  EUR4.5b     AUD0.2m    AUD28m     FRF40.2b       0       EURO6264m
  As a percentage of impaired assets     59.2       14.54      62.46       62.6         0         152.8
   4683          262         2021        32314
   17.5         172.55        2.6         9.3

HKD1637892m   KRW72980b   EUR281218m   AUD157401m
   10.6         -10.97       12.61        13.6


   12.3          0.23         9.83        130
    0.3          0.09         0.49        0.4
    2.6            0          3.42         35
   21.1            0         34.79        26.9

HKD43330m     KRW5100b    EUR3727m      AUD582m
    2.6         6.99        1.33          0.4
HKD23177m     KRW2240b    EUR1480m      AUD314m
   53.5         43.92       40.0          54.0
                                            G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                           Bank of Tokyo-                                                 Hongkong and
                                                               ABN AMRO      AMP Bank                          BNP        Citibank (*5)   Deutsche Bank
                                                                                             Mit.(Aust.)                                                    Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec          31-Dec         31-Dec         31-Dec          31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-00     30-Jun-00       30-Jun-00      30-Jun-00      30-Jun-00       30-Jun-00       30-Jun-00
   Number of months covered by the disclosure statements            6             6               6              6              6               6               6
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-00     31-Dec-99      31-Dec-99       31-Dec-99      30-Jun-00       30-Jun-00       30-Jun-00
   Number of months covered by the disclosure statements            6            12             12              12              6               6               6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            0.44           -11            0.33           1.2            10.3              6             11.5
   Net profit for previous 12 months as a percentage              -0.1          -0.86           0.28           0.23           0.96            1.84            0.5
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR1625m       -AUD42m         -AUD1m         EUR972m       USD3812m         EUR3777m       HKD15040m
   Net profit for previous 12 months as a percentage              0.6           -1.20           -0.03          0.33          1.73             0.52            n/a
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0             0              2               0              0               0              0
   20-30%                                                           0             0              0               0              0               0              0
   >30%                                                             0             0              0               0              0               0              0
   Bank counterparties:
   10-50%                                                           0             2              0               0              0               0              0
   50-100%                                                          0             0              0               0              0               0              0
   >100%                                                            0             0              0               0              0               0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA          A2/A             A-           A+/Aa3       Aa2/AA-          Aa3/AA            A3
   Issuer                                                      Moody's/S&P   Moody's/S&P        S&P         S&P/Moody's   Moody's/S&P      Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    6.75          8.16           8.01           7.1             8.02            7.3            9.7
    Capital (*2)                                                  10.22         12.64          11.77           10.1           11.95           13.2            13.9
anks

        Kookmin      Rabobank       Westpac

         31-Dec        31-Dec        30-Sep

        30-Jun-00     30-Jun-00     30-Jun-00
            6             6             9

        31-Dec-99     31-Dec-99     31-Mar-00
           12            12             6



          0.78          7.96          291
          0.67          0.86          1.16


        -KRW28b      EUR1020m       AUD818m
          -0.04        0.38           1.06




            0             0             0
            0             0             0
            0             0             0

            0             0             1
            0             0             0
            0             0             0


        Baa3/BB       AAA/Aaa       AA-/Aa3
       Moody's/S&P   S&P/Moody's   S&P/Moody's



           7.26         10.0           7.2
          11.38         10.5           9.3
Size
   Banking group in NZ:
  Total assets (NZ$m)                    566         2629       168         1289         1919         7011         4705.8
  Percentage change last 12 months       12.5        145       -21.07       -13.0        8.33         25.7          20.8
  Overseas banking group:
  Total assets                         EUR553.3b   AUD4943m   AUD3303m   EUR330884m   USD423820m   EUR925639m   HKD1660042m
  Percentage change last 12 months       16.5        145        -0.82       29.9         15.91        9.21          6.9
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          1.05       0           0            0            0            11.1
  As a percentage of total assets          0          0.04       0           0            0            0            0.2
  Specific provisions (NZ$m)               0          0.29       0           0            0            0            2.9
  As a percentage of impaired assets       0         27.67       0           0            0            0            26.1
  Overseas banking group:
  Impaired assets                      EUR7.6b     AUD1.7m    AUD46m      EUR14.1b    USD4269m     EUR4100m     HKD39412m
  As a percentage of total assets        1.7         0.03       1.39        4.26        1.01         0.49          2.4
  Specific provisions                  EUR4.5b     AUD0.2m    AUD29m      EUR6.5b        0         EUR6264m     HKD21502m
  As a percentage of impaired assets     59         14.54      62.48        46.1         0           152.8         54.6
   317         1922        34655
  154.76       -8.52        19.1

KRW72980b   EUR281218m   AUD157401m
  -10.97       12.61        13.6


   0.01         6.12        127
    0           0.32        0.4
    0           3.27         34
    0          53.42        26.8

KRW5100b    EUR3727m      AUD582m
   6.99       1.33          0.4
KRW2240b    EUR1480m      AUD314m
  43.92       40.0          54.0
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                           Bank of Tokyo-
                                                               ABN AMRO      AMP Bank                          BNP        CBA (NZ)       Citibank     Deutsche Bank
                                                                                            Mit.(Aust.)
Time period covered
   Annual balance date                                           31-Dec        31-Dec         31-Dec          31-Dec        30-Jun        31-Dec         31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Sep-00     30-Sep-00      30-Sep-00       30-Sep-00     30-Sep-00     30-Sep-00      30-Sep-00
   Number of months covered by the disclosure statements            9             9              9               9             3             9              9
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-00     31-Dec-99      31-Dec-99       31-Dec-99     30-Jun-00     30-Sep-00      30-Sep-00
   Number of months covered by the disclosure statements            6            12             12              12            12             9              9

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             3.0           -15            0.44           1.8           41.1          17.7            14
   Net profit for previous 12 months as a percentage               0.3          -0.93           0.26           0.15          0.87          1.16           0.20
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR1625m       -AUD42m         -AUD1m         EUR972m      AUD2700m      USD5581m        EUR4368m
   Net profit for previous 12 months as a percentage              0.6           -1.20           -0.03          0.33          1.7          1.74            0.56
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0             0              2               0             0             0              0
   20-30%                                                           0             0              0               0             0             0              0
   >30%                                                             0             0              0               0             0             0              0
   Bank counterparties:
   10-50%                                                           0             2              0               0             0             0              0
   50-100%                                                          0             0              0               0             0             0              0
   >100%                                                            0             0              0               0             0             0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA          A2/A            A-            A+/Aa3       Aa3/AA-       Aa2/AA-        Aa3/AA
   Issuer                                                      Moody's/S&P   Moody's/S&P       S&P          S&P/Moody's   Moody's/S&P   Moody's/S&P    Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    6.75          8.16           7.30           7.1           7.49           8.24          7.2
    Capital (*2)                                                  10.22         12.64          11.15           10.1          9.75          12.31          12.8
orated banks
       Hongkong and
                       Kookmin      Rabobank       Westpac
         Shanghai

           31-Dec       31-Dec       31-Dec-00      30-Sep

          30-Sep-00    30-Sep-00     30-Sep-00     30-Sep-00
              9            9             9            12

           30-Jun      31-Dec-99     31-Dec-99     30-Sep-00
             6            12            12            12



            22.0         1.12          10.53         408
            0.5          0.50           0.69         1.22


         HKD15040m     -KRW28b      EUR1020m      AUD1715m
            n/a          -0.04        0.38          1.06




               0           0             0             0
               0           0             0             0
               0           0             0             0

               0           0             0             1
               0           0             0             0
               0           0             0             0


           A3          Baa3/BB+      AAA/Aaa       AA-/Aa3
          Moody's     Moody's/S&P   S&P/Moody's   S&P/Moody's



            9.7           7.26         10.00          6.6
            13.9         11.38         10.50          9.9
Size
   Banking group in NZ:
  Total assets (NZ$m)                     493        2669       172         1683        18731         2068         9261
  Percentage change last 12 months       -45.1       131        3.59        -6.4         4.2          18.50        56.81
  Overseas banking group:
  Total assets                         EUR533.3b   AUD4943m   AUD3303m   EUR330884m   AUD217671m   USD439649m   EUR995953m
  Percentage change last 12 months       16.5        145        -0.82       29.9         57.6         19.31        18.58
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          1.14       0           0           15.5          0            0
  As a percentage of total assets          0          0.04       0           0           0.08          0            0
  Specific provisions (NZ$m)               0          0.20       0           0           7.5           0            0
  As a percentage of impaired assets       0         17.44       0           0           48.4          0            0
  Overseas banking group:
  Impaired assets                      EUR7.6b     AUD1.7m    AUD46m      EUR14.1b    AUD1004m     USD4218m     EUR4100m
  As a percentage of total assets        1.7         0.03       1.40        4.26        0.46         0.96          0.49
  Specific provisions                  EUR4.5m     AUD0.2m    AUD31m      EUR6.5b     AUD432m         0           6264
  As a percentage of impaired assets     59.2       14.54      67.47        46.1        43.0          0           152.8
   5541          436         2410        35017
   30.4         211.40       19.10        18.5

HKD1660042m   KRW72980b   EUR281218m   AUD167618m
    6.9         -10.97       12.61        19.5


   16.9          0.2          3.11        151
   0.3           0.05         0.13        0.4
   2.9            0           1.79         30
   17.2           0          57.69        19.9

HKD39412m     KRW5100b    EUR3727m      AUD593m
   2.4           6.99        1.33         0.4
HKD21502m     KRW2240b    EUR1480m      AUD266m
   54.6         43.92       39.71         44.9
                                                   G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                           Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                       CBA (NZ)       Citibank     Deutsche Bank
                                                                                            Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec         31-Dec          30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-00     31-Dec-00      31-Dec-00       31-Dec-00     31-Dec-00      31-Dec-00       31-Dec-00
   Number of months covered by the disclosure statements           12            12             12               6            12             12              12
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-00     31-Dec-00      31-Dec-00       31-Dec-00     31-Dec-00      31-Dec-00       31-Dec-00
   Number of months covered by the disclosure statements           12            12             12              12            12             12              12
Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            -1.0          -22.6           0.3            71.5          22.9            21             26.8
   Net profit for previous 12 months as a percentage              -0.2          -0.88           0.20           0.79          1.18           0.18            0.6
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR2498m       -AUD57m        -AUD9.4m       AUD2995m      USD8110m        EUR4949m       HKD29719m
   Net profit for previous 12 months as a percentage              0.5           -1.14          -0.31          1.56          1.61            0.55            1.8
   of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0             0              2               0             0              0              0
   20-30%                                                           0             0              0               0             0              0              0
   >30%                                                             0             0              0               0             0              0              0
   Bank counterparties:
   10-50%                                                           0             1              0               0             0              0              0
   50-100%                                                          0             0              0               0             0              0              0
   >100%                                                            0             0              0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA          A2/A            A-           AA-/Aa3       Aa2/AA-        Aa3/AA            A3
   Issuer                                                      Moody's/S&P   Moody's/S&P       S&P          S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    7.2           6.75           7.41           6.71           8.41          7.2             9.4
    Capital (*2)                                                  10.39         10.58          11.50           9.37          12.29          12.8            13.2
Size
rated banks

         Kookmin      Rabobank       Westpac

          31-Dec        31-Dec        30-Sep

         31-Dec-00     31-Dec-00     31-Dec-00
            12            12             3

         31-Dec-00     31-Dec-00     31-Dec-00
            12            12            12


           1.36          8.7           106
           0.61          0.40          1.24


         KRW592b      EUR1194m      AUD1715m
           0.72         0.36          1.06




              0            0             0
              0            0             0
              0            0             0

              0            0             1
              0            0             0
              0            0             0


         Baa3/BB+      AAA/Aaa       AA-/Aa3
        Moody's/S&P   S&P/Moody's   S&P/Moody's



            6.82         10.30          6.6
           11.18         10.60          9.9
  Banking group in NZ:
  Total assets (NZ$m)                     276        2677       146        19619         2152        15859         4041
  Percentage change last 12 months       -58.8       8.57      -19.25       15.1         22.98       131.30        -10.5
  Overseas banking group:
  Total assets                         EUR543.2b   AUD5156m   AUD2794m   AUD223325m   USD551607m   EUR967000m   HKD1761970m
  Percentage change last 12 months       18.6         4.3       -15.42      38.1         17.00        15.10         7.6
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          1.47       0          19.1          0            0           14.6
  As a percentage of total assets          0          0.05       0          0.10          0            0           0.4
  Specific provisions (NZ$m)               0          0.27       0          6.7           0            0           2.5
  As a percentage of impaired assets       0         18.48       0          35.1          0            0           17.1
  Overseas banking group:
  Impaired assets                      EUR7.6b     AUD1.2m    AUD3.4m     AUD828m     USD6609m     EUR4100m     HKD35270m
  As a percentage of total assets        1.66        0.02       0.12        0.37        1.20          0.49         2.0
  Specific provisions                  EUR4.5b     AUD0.2m    AUD1.7m     AUD240m     USD467m      EUR6264m     HKD19422m
  As a percentage of impaired assets     59.2       18.52       50.5        29.0        7.07         152.8         55.1
   230         2463        36256
   5.23        19.54        14.8

KRW91099b   EUR342920m   AUD167618m
  24.83        21.94        19.5


    0           1.87        146
    0           0.08        0.4
    0           1.83         31
    0          97.86        21.2

KRW3833b    EUR1042m      AUD593m
   4.70        1.18         0.4
KRW2220b    EUR1646m      AUD266m
  57.92       40.72         44.9
                                                   G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                           Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                       CBA (NZ)       Citibank     Deutsche Bank
                                                                                             Mit.(Aust.)                                                  Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec          31-Dec         30-June       31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Mar-01     31-Mar-01      31-Mar-01       31-Mar-01     31-Mar-01      31-Mar-01       31-Mar-01
   Number of months covered by the disclosure statements            3             3              3               9             3              3               3
   Overseas banking group:
   End of period covered by the disclosure statement            31-Mar-01     31-Dec-00      31-Dec-00       31-Dec-00     31-Mar-01      31-Mar-01       31-Dec-00
   Number of months covered by the disclosure statements            3            12             12              12             3              3              12
Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             1.0           -3.5            0.4           106.0         5.58            9               1.6
   Net profit for previous 12 months as a percentage               0.1          -0.85           0.23            0.75         1.16           0.18             0.4
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                 EUR683m       -AUD57m         -AUD9m        AUD2995m      USD2097m        EUR1026m       HKD29719m
   Net profit for previous 12 months as a percentage              N/A           -1.14          -0.031         1.56          1.51            0.51            1.8
   of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0             0              2               0             0              0              0
   20-30%                                                           0             0              0               0             0              0              0
   >30%                                                             0             0              1               0             0              0              0
   Bank counterparties:
   10-50%                                                           0             2              0               0             0              0              0
   50-100%                                                          0             0              0               0             0              0              0
   >100%                                                            0             0              0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA          A2/A             A-          AA-/Aa3       Aa2/AA-        Aa3/AA            A3
   Issuer                                                      Moody's/S&P   Moody's/S&P        S&P         S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    6.82          6.75          6.56            6.71           8.34          6.9             9.4
    Capital (*2)                                                  10.19         10.58          10.40           9.37          12.51          11.9            13.2
Size
rated banks

         Kookmin      Rabobank       Westpac

          31-Dec        31-Dec        30-Sep

         31-Mar-01     31-Mar-01     31-Mar-01
             3             3             6

         31-Dec-00     31-Dec-00     31-Mar-01
            12            12             6


              0.54       3.4           216
              0.68       0.41          1.22


         KRW592b      EUR1194m       AUD924m
           0.72         0.36           1.03




               0           0             0
               0           0             0
               0           0             0

               0           0             1
               0           0             0
               0           0             0


         Baa3/BB+      AAA/Aaa       AA-/Aa3
        Moody's/S&P   S&P/Moody's   S&P/Moody's



            6.82         10.30          6.1
           11.18         10.60          9.3
  Banking group in NZ:
  Total assets (NZ$m)                     542        2742        236       20819         2535         18362         5152
  Percentage change last 12 months       -10.5        8.5       54.65       22.1         38.96          94          10.0
  Overseas banking group:
  Total assets                         EUR601.7b   AUD5156m   AUD2794m   AUD223325m   USD565596m   EUR1017400m   HKD1761970m
  Percentage change last 12 months       N/A          4.3       -15.42      38.1         16.67          7            7.6
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          1.47       0          21.6          0             0           245.5
  As a percentage of total assets          0          0.05       0          0.10          0             0            4.8
  Specific provisions (NZ$m)               0          0.31       0          6.3           0             0            10.1
  As a percentage of impaired assets       0         21.24       0          29.2          0             0            4.1
  Overseas banking group:
  Impaired assets                      EUR7.9b     AUD1.2m    AUD66.1m    AUD828m     USD8091m      EUR4400m     HKD35270m
  As a percentage of total assets        1.5         0.02       2.37        0.37        1.43          0.47          2.0
  Specific provisions                  EUR4.2b     AUD0.2m    AUD1.8m     AUD240m     USD467m       EUR6200m      HKD19422
  As a percentage of impaired assets     53.2       18.52       2.79        29.0        7.07          141           55.1
   130         2414        37978
  50.14        19.43        17.5

KRW91099b   EUR342920m   AUD184912m
  24.83        21.94        17.5


   13           3.66        166
   0            0.15        0.4
   0            1.76         40
   0           48.09        24.1

KRW3833b    EUR4042m      AUD858m
   4.70        1.18         0.5
KRW2220b    EUR1646m      AUD279m
  57.92       40.72         32.5
                                                          G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                           Bank of Tokyo-
                                                                ABN AMRO      AMP Bank                      CBA (NZ)       Citibank     Deutsche Bank
                                                                                             Mit.(Aust.)
Time period covered
   Annual balance date                                             31-Dec       31-Dec         31-Dec         30-Jun        31-Dec         31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement              30-Jun-01    30-Jun-01      30-Jun-01      30-Jun-01     30-Jun-01      30-Jun-01
   Number of months covered by the disclosure statements              6            6              6             12             6              6
   Overseas banking group:
   End of period covered by the disclosure statement              30-Jun-01   31-Dec-00      31-Dec-00       30-Jun-01     30-Jun-01      30-Jun-01
   Number of months covered by the disclosure statements              6          12             12              12             6              6
Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)              1.1           -8.0          0.9            138.6         6.00            32
   Net profit for previous 12 months as a percentage                -0.1         -0.73          0.42            0.70         0.84           0.36
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                  EUR2316m     -AUD57m         -AUD9m        AUD2398m      USD4353m        EUR2451m
   Net profit for previous 12 months as a percentage                0.6         -1.14           -0.31          1.1          1.49            0.38
   of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                            0            0              2               0             0              0
   20-30%                                                            0            0              0               0             0              0
   >30%                                                              0            0              1               0             0              0
   Bank counterparties:
   10-50%                                                            0            2              0               0             0              0
   50-100%                                                           0            0              0               0             0              0
   >100%                                                             0            0              0               0             0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                        Aa2/AA           A              A-          AA-/Aa3       Aa2/AA         Aa3/AA
   Issuer                                                       Moody's/S&P      S&P            S&P         S&P/Moody's   Moody's/S&P    Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                     6.55         6.75           7.59           7.22          8.43           7.6
    Capital (*2)                                                   10.19        10.58          11.27           9.73          12.58          12.6
Size
as incorporated banks
       Hongkong and
                        Kookmin     Rabobank       Westpac
         Shanghai

           31-Dec        31-Dec       31-Dec        30-Sep

          30-Jun-01     30-Jun-01    30-Jun-01     30-Jun-01
              6             6            6             9

          30-Jun-01     31-Dec-00    31-Dec-00     31-Mar-01
              6            12           12             6


             5.4          0.83          8.8          319
             0.4          0.60         0.41          1.20


         HKD16305m      KRW592b     EUR1194m       AUD924m
            n/a           0.72        0.36           1.03




             0             0             0             0
             0             0             0             0
             0             0             0             0

             0             0             0             1
             0             0             0             0
             0             0             0             0


           A3          Baa3/BB+      AAA/Aaa       AA-/Aa3
          Moody's     Moody's/S&P   S&P/Moody's   S&P/Moody's



            9.5           6.82         10.3           6.1
            13.2          11.18        10.6           9.3
  Banking group in NZ:
  Total assets (NZ$m)                     396        2848        240       21586         2413        18813
  Percentage change last 12 months       -30.0       8.33       43.06       21.0         25.70        168
  Overseas banking group:
  Total assets                         EUR614.6b   AUD5156m   AUD2794m   AUD230411m   USD560603m   EUR987846m
  Percentage change last 12 months       15.2         4.3       -15.42      5.6          9.61          6.7
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          0.76       0          31.2         214           0
  As a percentage of total assets          0          0.03       0          0.14         8.88          0
  Specific provisions (NZ$m)               0          0.27       0          6.8            0           0
  As a percentage of impaired assets       0         35.76       0          21.8           0           0
  Overseas banking group:
  Impaired assets                      EUR7.9b     AUD1.2m    AUD64.0m    AUD649m     USD8472m     EUR4400m
  As a percentage of total assets        1.45        0.02       2.29        0.28        1.51         0.47
  Specific provisions                  EUR4.2b     AUD0.2m    AUD2.0m     AUD234m     USD467m      EUR6200m
  As a percentage of impaired assets      53        18.52       3.14        36.1        7.07         141
   4722          149         2596        35717
    0.3         -53.01       35.07        3.1

HKD1713644m   KRW91099b   EUR342920m   AUD184912m
    3.2         24.83        21.94        17.5


   241.7          0          3.24         190
    5.1           0          0.12         0.5
    10.6          0          1.40          53
    4.4           0          43.21        27.9

HKD32464m     KRW3833b    EUR4042m      AUD858m
   1.9          4.70        1.18          0.5
HKD18109m     KRW2220b    EUR1646m      AUD279m
   55.8         57.92       40.72         32.5
                                                    G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                          Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                      CBA (NZ)       Citibank     Deutsche Bank
                                                                                           Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec        31-Dec          30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Sep-01     30-Sep-01     30-Sep-01       30-Sep-01     30-Sep-01      30-Sep-01       30-Sep-01
   Number of months covered by the disclosure statements            9             9             9               3             9              9               9
   Overseas banking group:
   End of period covered by the disclosure statement            30-Sep-01     31-Dec-00     31-Dec-00       30-Jun-01     30-Sep-01      30-Sep-01       30-Jun-01
   Number of months covered by the disclosure statements            9            12            12              12             9              9               6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            1.0          -19.48m         1.1            45.4          15.50           47             11.4
   Net profit for previous 12 months as a percentage              -0.7           -0.98         0.52            0             0.90          0.36            0.3
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                 EUR2792b     -AUD57.39m     -AUD9M         AUD2398m      USD6727M        EUR2754m       HKD16305m
   Net profit for previous 12 months as a percentage               n/a          -1.14         -0.31           1.1          1.58            0.34            n/a
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0            0              2               0             0              0              0
   20-30%                                                           0            0              1               0             0              0              0
   >30%                                                             0            0              0               0             0              0              0
   Bank counterparties:
   10-50%                                                           0            3              0               0             0              0              0
   50-100%                                                          0            0              0               0             0              0              0
   >100%                                                            0            0              0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA           A             A-           AA-/Aa3       Aa1/AA         Aa3/AA            A3
   Issuer                                                      Moody's/S&P      S&P           S&P          S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    6.47          6.75          7.54           6.51           8.37          7.9             9.5
    Capital (*2)                                                  10.10         10.58         11.85           9.16          12.55          12.0            13.2
rated banks

          Kookmin      Rabobank      Westpac

           31-Dec        31-Dec       30-Sep

          30-Sep-01     30-Sep-01    30-Sep-01
              9             9           12

          31-Dec-00     31-Dec-00    30-Sep-01
             12            12           12



              1.10        14.56        465
              0.44         0.51        1.26


          KRW592b      EUR1194m     AUD1903m
            0.72         0.36         1.08




               0           0             0
               0           0             0
               0           0             0

               0           0             2
               0           0             0
               0           0             0


          Baa3/BB+      AAA/Aaa      AA-/Aa3
         Moody's/S&P   S&P/Moodys   S&P/Moody's



               6.82       10.30         6.3
              11.18       10.60         9.9
Size
   Banking group in NZ:
  Total assets (NZ$m)                     392        2881        212       22841         2373       20339        5239
  Percentage change last 12 months       -20.3        8         22.78       21.9         14.73       120         -5.4
  Overseas banking group:
  Total assets                         EUR597.7b   AUD5156m   AUD2794m   AUD230411m   USD647250m   EUR950m    HKD1713644m
  Percentage change last 12 months        n/a         4.3       -15.42      5.6          21.43        -5          3.2
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          3.0        0          25.5          0           0          233.3
  As a percentage of total assets          0          0.11       0          0.11          0           0           4.5
  Specific provisions (NZ$m)               0          1.1        0          7.2           0           0           14.0
  As a percentage of impaired assets       0         36.55       0          28.2          0           0           6.0
  Overseas banking group:
  Impaired assets                      EUR7.9b     AUD1.2m    AUD65.9m    AUD649m     USD9617m     EUR4400m   HKD32464m
  As a percentage of total assets        1.45        0.02       2.0         0.28        1.49          0.47       1.9
  Specific provisions                  EUR4.2b     AUD0.2m    AUD2.1m     AUD234m     USD467m       EUR6200   HKD18109m
  As a percentage of impaired assets     53.2       18.52       3.14        36.1        7.07          141        55.8
   165         2541        38178
  -62.13       5.48         9.0

KRW91099b   EUR342920m   AUD189845m
  24.83        21.94        13.3


   0.09         3.19        146
   0.02         0.13        0.4
    0           1.35         38
    0          42.32        26.0

KRW3833b    EUR4042m      AUD902m
   4.70        1.18         0.5
KRW2220b    EUR1646m      AUD307m
  57.92       40.72         34.0
                                                   G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                         Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                     CBA (NZ)       Citibank     Deutsche Bank
                                                                                          Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec       31-Dec        31-Dec          30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-01    31-Dec-01     31-Dec-01       31-Dec-01     31-Dec-01      31-Dec-01       31-Dec-01
   Number of months covered by the disclosure statements           12           12            12               6            12             12              12
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-01    31-Dec-01     31-Dec-01       31-Dec-01     31-Dec-01      31-Dec-01       31-Dec-01
   Number of months covered by the disclosure statements           12           12            12               6            12             12              12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             1.5         -23.02         1.1            90.7           24             77             16.4
   Net profit for previous 12 months as a percentage               0.4          -0.83         0.53           0.73          1.04           0.55            0.4
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR3230m      -AUD47m       AUD10m            N/A        USD9642m        EUR167m        HKD30156m
   Net profit for previous 12 months as a percentage              0.6          -0.83         0.34            1.07         1.64            0.02            1.7
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0            0             1               0             0              0              0
   20-30%                                                           0            0             1               0             0              0              0
   >30%                                                             0            0             0               0             0              0              0
   Bank counterparties:
   10-50%                                                           0            0             0               0             0              0              0
   50-100%                                                          0            0             0               0             0              0              0
   >100%                                                            0            0             0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA          A            BBB+          AA-/Aa3       Aa1/AA         Aa3/AA            A3
   Issuer                                                      Moody's/S&P     S&P            S&P         S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   7.0           9.18          7.73           6.75           9.23          8.1             9.5
    Capital (*2)                                                  10.9         12.75         11.76           9.31          13.60          12.1            13.0
orated banks

          Kookmin      Rabobank       Westpac

           31 Dec        31-Dec        30-Sep

          31-Dec-01     31-Dec-01     31-Dec-01
             12            12             3

          31-Dec-00     31-12-01      30-Sep-01
             12            12            12



            1.50          20.05         117
            0.76           0.79         1.27


          KRW592b      EUR1291m      AUD1903m
            0.72         0.35          1.08




               0            0             0
               0            0             0
               0            0             0

               0            0             2
               0            0             0
               0            0             0


          Baa3/BB+      AAA/Aaa       AA-/Aa3
         Moody's/S&P   S&P/Moody's   S&P/Moody's



             6.82         10.20          6.3
            11.18         10.50          9.9
Size
   Banking group in NZ:
  Total assets (NZ$m)                    475         2890        255       23629         2257        12346         4419
  Percentage change last 12 months       72.0        7.94       74.68       20.4         4.90        -22.2          9.4
  Overseas banking group:
  Total assets                         EUR597.4b   AUD6027m   AUD3263m   AUD239653m   USD646944m   EUR918706m   HKD1742741m
  Percentage change last 12 months       10.0        16.89      16.8        7.3          17.28        -1.11         -1.1
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          4.59       0          25.2          0            0           221.8
  As a percentage of total assets          0          0.16       0          0.11          0            0            5.0
  Specific provisions (NZ$m)               0          3.38       0          8.1           0            0            9.3
  As a percentage of impaired assets       0         73.74       0          32.1          0            0            4.2
  Overseas banking group:
  Impaired assets                      EUR7.9b     AUD3.7m    AUD64.0m    AUD983m     USD9896m     EUR10797m    HKD29099m
  As a percentage of total assets        1.5         0.06       1.95        0.41        1.53          1.18         1.7
  Specific provisions                  EUR4.2b     AUD2.8m    AUD3.0m     AUD309m     USD910m      EUR3720m     HKD15581m
  As a percentage of impaired assets     53.2       73.75       5.42        31.4        9.20          34.5         53.5
   166         2715        37927
  -27.75       10.24        4.6

KRW91099b   EUR363619m   AUD189845m
  24.83        6.04         13.3


    0           3.07        124
    0           0.11        0.3
    0           1.31         28
    0          42.75        22.6

KRW3833b    EUR3930m      AUD902m
   4.70        1.08         0.5
KRW2220b    EUR1753m      AUD307m
  57.92       44.61         34.0
                                                   G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                         Bank of Tokyo-                                                  Hongkong and
                                                               ABN AMRO      AMP Bank                       CBA (NZ)        Citibank     Deutsche Bank
                                                                                          Mit.(Aust.)                                                      Shanghai
Time period covered
   Annual balance date                                           31-Dec       31-Dec         31-Dec            30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Mar-02    31-Mar-02     31-Mar-02         31-Mar-02      31-Mar-02      31-Mar-02       31-Mar-02
   Number of months covered by the disclosure statements            3            3             3                 9              3              3               3
   Overseas banking group:
   End of period covered by the disclosure statement            31-Mar-02    31-Dec-01     31-Dec-01         31-Dec-01      31-Mar-02      31-Mar-02       31-Dec-01
   Number of months covered by the disclosure statements            3           12            12                12              3              3               3
Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            0.60         -0.89          0.2              138.9          7.42            26              6.1
   Net profit for previous 12 months as a percentage              0.2          -0.72          0.36              0.76          1.04           0.55             0.4
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                 EUR397m      -AUD47m        AUD10m          AUD2467m       USD2466m        EUR597m        HKD30156m
   Net profit for previous 12 months as a percentage              0.5          -0.83          0.34            1.07           1.66            0.04            1.7
   of average total assets
Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0           0               1                0              0              0              0
   20-30%                                                           0           0               1                0              0              0              0
   >30%                                                             0           0               0                0              0              0              0
   Bank counterparties:
   10-50%                                                           0           1               0                0              0              0              0
   50-100%                                                          0           0               0                0              0              0              0
   >100%                                                            0           0               0                0              0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa2/AA          A            BBB+             AA-/Aa3       Aa1/AA         Aa3/AA            A3
   Issuer                                                      Moody's/S&P     S&P            S&P           S&P, Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    7.13         9.18     7.86 (31/03/02)        6.75           8.55          8.9             9.5
    Capital (*2)                                                  10.95        12.75     12.06 (31/03/02)       9.31          12.82          13.2            13.0
Size
rated banks

         Kookmin      Rabobank       Westpac

          31-Dec        31-Dec        30-Sep

         31-Mar-02     31-Mar-02     31-Mar-02
             3             3             6

         31-Dec-01     31-Dec-01     31-Mar-02
            12            12             6


              0.39       3.56          231
              0.88       0.78          1.29


         KRW836b      EUR1291m      AUD1018m
           0.63         0.35          1.11




               0           0             0
               0           0             0
               0           0             0

               0           0             2
               0           0             0
               0           0             0


         BBB-/Baa3     AAA/Aaa       AA-/Aa3
        S&P/Moody's   S&P/Moody's   S&P/Moody's



            7.09         10.20         6.8
           10.23         10.50         10.2
  Banking group in NZ:
  Total assets (NZ$m)                     497        2887          238            24462         3004        16121        4343
  Percentage change last 12 months        -8.2        5.3          0.97            18.3         18.48        -12         -15.7
  Overseas banking group:
  Total assets                         EUR623.6b   AUD6027m    AUD3263m         AUD239653m   USD639531m    EUR950b    HKD1742741m
  Percentage change last 12 months        3.6        16.89       16.80             7.3          13.07        -7           -1.1
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          3.84          0              24.7          0            0          210
  As a percentage of total assets          0          0.13          0              0.10          0            0          4.8
  Specific provisions (NZ$m)               0          3.38          0              8.5           0            0          11.0
  As a percentage of impaired assets       0         88.17          0              34.4          0            0          5.2
  Overseas banking group:
  Impaired assets                      EUR8.6b     AUD3.7m      AUD61.2m         AUD983m     USD10510m    EUR10797m   HKD29099m
  As a percentage of total assets        1.44        0.06     1.88 (31/03/02)      0.41         1.64         1.18        1.7
  Specific provisions                  EUR4.5b     AUD2.8m       AUD3m           AUD309m      USD910m      EUR3720    HKD15581m
  As a percentage of impaired assets     52.3       73.75     5.62 (31/03/02)      31.4         9.20         34.5        53.5
    175         2710        37261
   34.37        12.28        -1.9

KRW172598b   EUR363619m   AUD186192m
  89.46         6.04         0.7


   0.3           1.50        113
   0.15          0.06        0.3
    0            1.28         27
    0           84.99        23.9

KRW2959b     EUR3930m      AUD861m
   1.89         1.08         0.5
KRW2462b     EUR1753m      AUD356m
  83.22        44.61         41.3
                                                    G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                          Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                      CBA (NZ)       Citibank     Deutsche Bank
                                                                                           Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec        31-Dec          30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-02     30-Jun-02     30-Jun-02       30-Jun-02     30-Jun-02      30-Jun-02       30-Jun-02
   Number of months covered by the disclosure statements            6             6             6              12             6              6               6
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-02    31-Dec-01      31-Dec-01       30-Jun-02     30-Jun-02      30-Jun-02       30-Jun-02
   Number of months covered by the disclosure statements            6           12             12              12             6              6               6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             4.9          -1.54          0.4            192.6         15.89           60             -12.6
   Net profit for previous 12 months as a percentage               1.3          -0.57          0.25            0.82          1.34          0.63             n/a
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                 EUR931m      -AUD47m        AUD10m         AUD2655m      USD5504m        EUR801m        HKD14730m
   Net profit for previous 12 months as a percentage              0.3          -0.83          0.34            1.1          1.75            -0.03           n/a
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0            0              0               0             0              0              0
   20-30%                                                           0            0              1               0             0              0              0
   >30%                                                             0            0              0               0             0              0              0
   Bank counterparties:
   10-50%                                                           0            1              0               0             0              0              0
   50-100%                                                          0            0              0               0             0              0              0
   >100%                                                            0            0              0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA           A-           BBB+          AA-/Aa3       Aa1/AA         Aa3/AA-           Aa3
   Issuer                                                      Moody's/S&P      S&P            S&P         S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    7.15         9.18           7.91           7.54           8.40          9.3             9.7
    Capital (*2)                                                  10.80        12.75          11.72           9.65          12.53          12.8            13.1
rated banks

          Kookmin      Rabobank       Westpac

           31-Dec        31-Dec        30-Sep

          30-Jun-02     30-Jun-02     30-Jun-02
              6             6             9

          31-Dec-01     31-Dec-01    31-Mar-02
             12            12            6



              0.85        8.1           472
              0.88        0.72          1.64


          KRW836b      EUR1291m      AUD1018m
            0.63         0.35          1.11




               0            0            0
               0            0            0
               0            0            0

               0            0            2
               0            0            0
               0            0            0


          A3/BBB        AAA/Aaa       AA-/Aa3
         Moody's/S&P   S&P/Moody's   S&P/Moodys



               7.09       10.2          6.8
              10.23       10.5          10.2
Size
   Banking group in NZ:
  Total assets (NZ$m)                    439         2959        224       25628         2797        14501        5115
  Percentage change last 12 months       10.9        3.90       -6.91       18.7         15.94        -23          8.3
  Overseas banking group:
  Total assets                         EUR607.5b   AUD6027m   AUD3263m   AUD249648m   USD665305m    EUR899b    HKD1812447m
  Percentage change last 12 months       -1.2        16.89      16.80       8.3          18.68        -5.5         5.8
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          0.70       0          35.2          0            0          195.1
  As a percentage of total assets          0          0.02       0          0.14          0            0           3.8
  Specific provisions (NZ$m)               0          0.26       0          6.8           0            0           51.8
  As a percentage of impaired assets       0         36.69       0          19.3          0            0           26.6
  Overseas banking group:
  Impaired assets                      EUR8.6b     AUD3.7m    AUD58.0m    AUD884m     USD10731m    EUR10797m   HKD26313m
  As a percentage of total assets        1.44        0.06       1.77        0.35         1.61         1.18        1.5
  Specific provisions                    4.5       AUD2.8m    AUD3.0m     AUD271m      USD910m     EUR3720m    HKD13337m
  As a percentage of impaired assets     52.3       73.75       5.95        30.7         9.20         34.5        50.7
    196         2915        37118
   31.56        12.29        3.9

KRW172598b   EUR363619m   AUD186192m
  89.46         6.04         0.7


    0            5.30         96
    0            0.18        0.2
    0            1.28         18
    0           24.15        18.8

KRW4015b     EUR3930m      AUD861m
   2.56         1.08         0.5
KRW2462b     EUR1753m      AUD356m
  61.32        44.61         41.3
                                                     G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                            Bank of Tokyo-                                               Hongkong and
                                                                ABN AMRO       AMP Bank                      CBA (NZ)       Citibank     Deutsche Bank
                                                                                             Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                            31-Dec         31-Dec        31-Dec          30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement             30-Sep-02      30-Sep-02     30-Sep-02       30-Sep-02     30-Sep-02      30-Sep-02       30-Sep-02
   Number of months covered by the disclosure statements             9              9             9               3             9              9               9
   Overseas banking group:
   End of period covered by the disclosure statement             30-Sep-02      31-Dec-01     31-Dec-01       30-Jun-02     30-Sep-02      30-Sep-02       30-Sep-02
   Number of months covered by the disclosure statements             9             12            12              12             9              9               9

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)              5.6            -0.5          .533           56.3          26.6           102             -4.7
   Net profit for previous 12 months as a percentage                1.3           -0.17          0.22           0.78          1.35           0.72            0.0
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                  EUR1522m      -AUD46.63m     AUD10m         AUD2655m      USD8477m        EUR502M        HKD14730m
   Net profit for previous 12 months as a percentage                0.3           -0.83         0.34            1.1          1.75            -0.06           n/a
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                            0             0              1               0             0              0              0
   20-30%                                                            0             0              0               0             0              0              0
   >30%                                                              0             0              0               0             0              0              0
   Bank counterparties:
   10-50%                                                            0             2              0               0             0              0              0
   50-100%                                                           0             0              0               0             0              0              0
   >100%                                                             0             0              0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                         Aa3/AA           A            BBB+          AA-/Aa3       Aa1/AA         Aa3/AA-           Aa3
   Issuer                                                       Moody's/S&P.      S&P            S&P         S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                     7.00           9.18          8.25           6.78           8.55          8.9             9.7
    Capital (*2)                                                   10.87          12.75         12.07           9.80          12.73          12.0            13.1
ated banks

         Kookmin      Rabobank       Westpac

             31-Dec     31-Dec        30-Sep

         30-Sep-02     30-Sep-02     30-Sep-02
             9             9            12

         31-Dec-01     31-Dec-01     30-Sep-02
            12            12            12



              1.56       11.82         614
              1.02        0.63         1.64


         KRW836b      EUR1291m      AUD2192m
           0.63         0.35          1.20




               0           0             0
               0           0             0
               0           0             0

               0           0             2
               0           0             0
               0           0             0


         A3/BBB        AAA/Aaa       AA-/Aa3
        Moody's/S&P   S&P/Moody's   S&P/Moody's



              7.09       10.20          6.5
             10.23       10.50          9.4
Size
   Banking group in NZ:
  Total assets (NZ$m)                   539        1935       226        26280         2677        16299        4854
  Percentage change last 12 months      37.5      -32.84      6.79        15.6         12.81        -20         -7.4
  Overseas banking group:
  Total assets                         EUR604b   AUD6027m   AUD3263m   AUD249648m   USD655294m    EUR831b    HKD1812447m
  Percentage change last 12 months       1.2       16.89      16.80       8.3          1.24        -10.0         5.8
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0         0.81       0          32.0          0            0          203.4
  As a percentage of total assets         0         0.04       0          0.12          0            0           4.2
  Specific provisions (NZ$m)              0         0.37       0          7.5           0            0           56.9
  As a percentage of impaired assets      0        45.21       0          23.4          0            0           28.0
  Overseas banking group:
  Impaired assets                      EUR8.6b   AUD3.7m    AUD56.5m    AUD884m     USD10856m    EUR10797m   HKD26313m
  As a percentage of total assets        1.44      0.06       1.80        0.35         1.66         1.18        1.50
  Specific provisions                  EUR4.5b   AUD2.8m       0        AUD271m      USD910m     EUR3720m    HKD13337m
  As a percentage of impaired assets     52.3     73.75        0          30.7         9.20         34.5        50.7
    219         2873        37459
   33.08        13.02        -1.9

KRW172598b   EUR363619m   AUD191037m
  89.46         6.04         0.6


    0            5.11         91
    0            0.18        0.2
    0            2.12         15
    0           41.49        16.5

KRW4015b     EUR3930m      AUD679m
   2.56         1.08         0.4
KRW2462b     EUR1753m      AUD272m
  61.32        44.61         40.1
                                                    G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                          Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                      CBA (NZ)       Citibank     Deutsche Bank
                                                                                           Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec        31-Dec          30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-02     31-Dec-02     31-Dec-02       31-Dec-02     31-Dec-02      31-Dec-02       31-Dec-02
   Number of months covered by the disclosure statements           12            12            12               6            12             12              12
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-02     31-Dec-02     31-Dec-02       31-Dec-02     31-Dec-02      31-Dec-02       31-Dec-02
   Number of months covered by the disclosure statements           12            12            12              12            12             12              12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            12.1          -4.68         0.430           114.1         29.1           319             -0.4
   Net profit for previous 12 months as a percentage              1.8           -0.19          0.18            0.85          1.1           2.45             0
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR2207m      -AUD53.23m     AUD17m         AUD2073m      USD6356m        EUR397m        HKD29637m
   Net profit for previous 12 months as a percentage              0.4           -0.86         0.52           0.83          1.34            0.05            1.7
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0            0              2               0             0              0              0
   20-30%                                                           0            0              0               0             0              0              0
   >30%                                                             0            0              0               0             0              0              0
   Bank counterparties:
   10-50%                                                           0            1              1               0             0              0              0
   50-100%                                                          0            0              0               0             0              0              0
   >100%                                                            0            0              0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA-          A-           BBB+          AA-/Aa3       Aa1/AA         Aa3/AA-           Aa3
   Issuer                                                      Moody's/S&P      S&P            S&P         S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   7.5            8.55          8.52           7.06           8.4           9.6             9.8
    Capital (*2)                                                  11.5          11.61         11.95           9.81          12.58          12.6            12.7
rated banks

          Kookmin      Rabobank       Westpac

           31-Dec        31-Dec        30-Sep

          31-Dec-02     31-Dec-02     31-Dec-02
             12            12             3

          31-Dec-01     31-Dec-02     30-Sep-02
             12            12            12



              2.23        20.42         149
              1.14         0.72         1.71


          KRW836b      EUR1250m      AUD2192m
            0.63         0.33           1.2




               0            0             0
               0            0             0
               0            0             0

               0            0             2
               0            0             0
               0            0             0


          A3/BBB+       AAA/Aaa       AA-/Aa3
         Moody's/S&P   S&P/Moody's   S&P/Moody's



               7.09       10.3           6.5
              10.23       10.5           9.4
Size
   Banking group in NZ:
  Total assets (NZ$m)                   923        2029       211        27371         2535       13732        5335
  Percentage change last 12 months      94.4      -29.79     -17.41       16.1         12.31       11.2        20.7
  Overseas banking group:
  Total assets                         EUR556b   AUD6419m   AUD3150m   AUD262017m   USD498676m   EUR758b    HKD1867724m
  Percentage change last 12 months       -6.9       6.5       -3.45       9.3          10.24      -17.4         7.2
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0        0.35        0          47.4         17.45        0          182.8
  As a percentage of total assets         0        0.02        0          0.17         0.69         0           3.4
  Specific provisions (NZ$m)              0        0.25        0          7.9            0          0           55.5
  As a percentage of impaired assets      0        71.1        0          16.7           0          0           30.4
  Overseas banking group:
  Impaired assets                      EUR8.6b   AUD0.33m   AUD54.2m    AUD863m     USD6997m     EUR8922m   HKD22708m
  As a percentage of total assets        1.4        0.01      1.72        0.33         1.4         1.18        1.2
  Specific provisions                  EUR4.5b   AUD0.23m      0        AUD264m         0        EUR3144m   HKD11500m
  As a percentage of impaired assets     52.3      71.04       0          30.6          0          35.2        50.6
    225         2957        38909
   35.41        8.89         2.6

KRW172598b   EUR374720m   AUD191037m
  89.46         3.05         0.6


    0            5.55         78
    0            0.19        0.2
    0            3.58         15
    0           64.57        19.2

KRW4015b     EUR4140m      AUD679m
   2.56         1.1          0.4
KRW2462b     EUR1792m      AUD272m
  61.32        43.29         40.1
                                                                             G2 Information extracted from the Key Information Summaries of overseas incorp
                                                                                          Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                      CBA (NZ)       Citibank     Deutsche Bank
                                                                                           Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec        31-Dec          30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Mar-03     31-Mar-03     31-Mar-03       31-Mar-03     31-Mar-03      31-Mar-03       31-Mar-03
   Number of months covered by the disclosure statements            3             3             3               9             3              3               3
   Overseas banking group:
   End of period covered by the disclosure statement            31-Mar-03     31-Dec-02     31-Dec-02       31-Dec-02     31-Mar-03      31-Mar-03       31-Dec-02
   Number of months covered by the disclosure statements            3            12            12              12             3              3              12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            0.61           0.59          0.17           180.3         4.4            102              6.3
   Net profit for previous 12 months as a percentage              1.6           -0.13          0.15            0.89         0.97           2.41              0
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                 EUR690m      -AUD53.23m     AUD17m         AUD2073m      USD1985m        -EUR219m      HKD296371.7m
   Net profit for previous 12 months as a percentage              0.4           -0.86         0.52           0.83          1.42            -0.05           1.7
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0            0              1               0             0              0              0
   20-30%                                                           0            0              1               0             0              0              0
   >30%                                                             0            0              0               0             0              0              0
   Bank counterparties:
   10-50%                                                           0            1              1               0             0              0              0
   50-100%                                                          0            0              0               0             0              0              0
   >100%                                                            0            0              0               0             0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA-        BBB+           BBB+          AA-/Aa3       Aa1/AA         Aa3/AA-           Aa3
   Issuer                                                      Moody's/S&P      S&P            S&P         S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    7.4           8.55          8.69           7.06           8.46          9.6             9.8
    Capital (*2)                                                  11.03         11.61         12.01           9.81          12.69          13.1            12.7
aries of overseas incorporated banks

          Kookmin      Rabobank       Westpac

           31-Dec        31-Dec        30-Sep

          31-Mar-03     31-Mar-03     31-Mar-03
              3             3             6

          31-Dec-01     31-Dec-02     31-Mar-03
             12            12             6



            0.64          5.79           308
            1.17          0.76           1.8


          KRW836b      EUR1250m      AUD1051m
            0.63         0.33          1.15




              0             0             0
              0             0             0
              0             0             0

              0             0             2
              0             0             0
              0             0             0


          A3/BBB+       AAA/Aaa       AA-/Aa3
         Moody's/S&P   S&P/Moody's   S&P/Moody's



             7.09         10.3           6.4
            10.23         10.5           9.7
Size
   Banking group in NZ:
  Total assets (NZ$m)                   995        1980       239        28041         2416       13964        5186
  Percentage change last 12 months      99.9      -31.42      0.15        14.4        -19.57       -13         19.4
  Overseas banking group:
  Total assets                         EUR597b   AUD6419m   AUD3150m   AUD262017m   USD514803m   EUR802b    HKD1867724m
  Percentage change last 12 months       -4.2       6.5       -3.45       9.3          13.18       -16          7.2
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0         0.10       0          43.1         16.58        0          174.1
  As a percentage of total assets         0         0.01       0          0.15          0.69        0           3.4
  Specific provisions (NZ$m)              0         0.09       0          8.4            0          0           54.4
  As a percentage of impaired assets      0        87.13       0          19.5           0          0           31.2
  Overseas banking group:
  Impaired assets                      EUR8.2b   AUD0.33m   AUD50.9m    AUD863m     USD6960m     EUR8922m   HKD22708m
  As a percentage of total assets        1.5        0.01      1.62        0.33        1.35         1.18        1.2
  Specific provisions                  EUR4.1b   AUD0.23m      0        AUD264m        0         EUR3144m   HKD11500m
  As a percentage of impaired assets     50.0      71.04       0          30.6         0           35.2        50.6
    249         3372        39677
   42.07        24.4         6.5

KRW172598b   EUR374720m   AUD206430m
  89.46         3.05         10.9


    0           4.08          67
    0           0.12         0.2
    0           4.08          12
    0           100          17.9

KRW4015b     EUR4140m      AUD537m
   2.56         1.1          0.3
KRW2462b     EUR1785m      AUD226m
  61.32        43.29         42.1
                                                                             G2 Information extracted from the Key Information Summaries of overseas incorp
                                                                                          Bank of Tokyo-                                                Hongkong and
                                                               ABN AMRO      AMP Bank                      CBA (NZ)        Citibank     Deutsche Bank
                                                                                           Mit.(Aust.)                                                    Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec        31-Dec           30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-03     30-Jun-03     30-Jun-03       30-Jun-03      30-Jun-03      30-Jun-03       30-Jun-03
   Number of months covered by the disclosure statements            6             6             6              12              6              6               6
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-03     31-Dec-02     30-Jun-03       30-JUn-03       30-Jun        30-Jun-03       30-Jun-03
   Number of months covered by the disclosure statements            6            12            12               12            6               6               6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             6.6          4.7            0.57            246           4.9             173             9.7
   Net profit for previous 12 months as a percentage               1.6          -0.1           0.28            0.9           0.72            2.6             0.4
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR1472m      -AUD53.23m     AUD17m         AUD2012m       USD3754m        EUR353m        HKD14326m
   Net profit for previous 12 months as a percentage              0.3           -0.86         0.52            0.8           1.33            -0.01           n/a
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0            0              1               0              0              0              0
   20-30%                                                           0            0              1               0              0              0              0
   >30%                                                             0            0              0               0              0              0              0
   Bank counterparties:
   10-50%                                                           0            0              0               0              0              0              0
   50-100%                                                          0            0              0               0              0              0              0
   >100%                                                            0            0              0               0              0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA-        BBB+           BBB+           AA-/Aa3       Aa1/AA         Aa3/AA-           Aa3
   Issuer                                                      Moody's/S&P      S&P            S&P         S&P/ Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    7.63          8.55          9.29            7.46           8.41          10.0            10.6
    Capital (*2)                                                  11.10         11.61         12.57            9.36          12.63          13.7            12.7
aries of overseas incorporated banks

          Kookmin      Rabobank       Westpac

           31-Dec        31-Dec        30-Sep

          31-Jun-03     30-Jun-03     30-Jun-03
              6             6             9

          31-Dec-02     31-Dec-02     31-Mar-03
             12            12             6



            1.4           12.90         322
            1.28           0.81         1.18


          KRW1271b     EUR1250m      AUD1051m
            0.71         0.33          1.15




              0             0             0
              0             0             0
              0             0             0

              0             0             2
              0             0             0
              0             0             0


          A3/BBB+       AAA/Aaa       AA-/Aa3
         Moody's/S&P   S&P/Moody's   S&P/Moody's



             6.62         10.3           6.4
            10.41         10.5           9.7
Size
   Banking group in NZ:
  Total assets (NZ$m)                   671        410         209        28989         2087       13153        6447
  Percentage change last 12 months      52.7      -86.14      -6.35        13.1         -25.4        -9         26.0
  Overseas banking group:
  Total assets                         EUR614b   AUD6419m   AUD3150m    AUD265110m   USD523115m   EUR851b    HKD1987562m
  Percentage change last 12 months       1.1        6.5       -3.45        6.2           7.4        -5.3         9.5
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0         0           0          31.8        154.68        0          170.2
  As a percentage of total assets         0         0           0          0.11         7.41         0           2.6
  Specific provisions (NZ$m)              0         0           0          9.5           0           0           52.9
  As a percentage of impaired assets      0         0           0          29.9          0           0           31.1
  Overseas banking group:
  Impaired assets                      EUR9.4b   AUD0.33m   AUD108.8m    AUD639m     USD7064m     EUR8922m    HKD22089
  As a percentage of total assets        1.7        0.01      3.45         0.24        1.35          1.18       1.1
  Specific provisions                  EUR4.1b   AUD0.23m      0         AUD205m        0          EUR3144   HKD11002m
  As a percentage of impaired assets     43.6      71.04       0           32.1         0            35.2       49.8
   230.5        3554        40947
   17.72        21.92        10.3

KRW187126b   EUR374720m   AUD206430m
   8.42         3.05         10.9


    0            5.42         62
    0            0.15        0.2
    0            4.08         12
    0           75.28        19.4

KRW4126b     EUR4140m      AUD537m
   2.20         1.1          0.3
KRW3312      EUR1792m      AUD226m
  80.27        43.29         42.1
                                                                                       G2 Information extracted from the Key Information Summaries of overseas in

                                                               ABN AMRO      AMP Bank       Bank of Tokyo-Mit.(Aust.)       CBA (NZ)       Citibank     Deutsche Bank
Time period covered
   Annual balance date                                           31-Dec        31-Dec                  31-Dec                 30-Jun        31-Dec         31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Sep-03     30-Sep-03              30-Sep-03               30-Sep-03     30-Sep-03      30-Sep-03
   Number of months covered by the disclosure statements            9             9                      9                       3             9              9
   Overseas banking group:
   End of period covered by the disclosure statement            30-Sep-03     31-Dec-02     31-Dec-02 or 30-Sep-03 with *    30-Jun-03     30-Sep-03      30-Sep-03
   Number of months covered by the disclosure statements            9            12                      12                     12             9              9

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             3.3           3.91                   0.88                   68.6          8.3            246
   Net profit for previous 12 months as a percentage               2.2          -0.03                   0.33                   0.9           0.47           2.28
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR2304m      -AUD53.23m              AUD17m                 AUD2012m      USD5742m        EUR929m
   Net profit for previous 12 months as a percentage              0.5           -0.86                  0.52                    0.8           1.3            0.1
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0            0                       3                       0             0              0
   20-30%                                                           0            0                       1                       0             0              0
   >30%                                                             0            0                       0                       0             0              0
   Bank counterparties:
   10-50%                                                           0            0                       0                       0             0              0
   50-100%                                                          0            0                       0                       0             0              0
   >100%                                                            0            0                       0                       0             0              0

Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA-        BBB+                    BBB+                  AA-/Aa3       Aa1/AA         Aa3/AA-
   Issuer                                                      Moody's/S&P      S&P                     S&P                 S&P/Moody's   Moody's/S&P    Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   7.79          8.55                   75.64*                  7.46          9.09            9.5
Summaries of overseas incorporated banks
       Hongkong and
                       Kookmin      Rabobank        Westpac
         Shanghai

           31-Dec       31-Dec        31-Dec         30-Sep

          30-Sep-03    30-Sep-03     30-Sep-03      30-Sep-03
              9            9             9             12

          30-Jun-03    31-Dec-02     31-Dec-02      30-Sep-03
              6           12            12             12



             17          2.0            19.5          462
             0.4         1.23           0.84          1.16


         HKD14326m    KRW1271b       EUR1250m      AUD2183m
            n/a         0.71           0.33          1.15




             0             0             0              0
             0             0             0              0
             0             0             0              0

             0             0             0              1
             0             0             0              0
             0             0             0              0



           Aa3         A3/BBB+       AAA/Aaa        AA-/Aa3
          Moody's     Moody's/S&P   S&P/ Moody's   S&P/Moody's



            10.6         6.62           10.3           7.2
  Capital (*2)                          11.42      11.61     99.21*       9.36         13.26       13.2
Size
   Banking group in NZ:
  Total assets (NZ$m)                    448        101        250       30535         1939       13580
  Percentage change last 12 months      -17.0      -94.8      10.71       16.1        -27.57      -16.7
  Overseas banking group:
  Total assets                         EUR601b   AUD6419m   AUD3150m   AUD265110m   USD554540m   EUR864b
  Percentage change last 12 months       -0.6       6.5       -3.45       6.2          15.19       4.0
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0         0          0          25.9        151.63        0
  As a percentage of total assets         0         0          0          0.08         7.82         0
  Specific provisions (NZ$m)              0         0          0          9.6           0           0
  As a percentage of impaired assets      0         0          0          37.1          0           0
  Overseas banking group:
  Impaired assets                      EUR9.4b   AUD0.33m      0*       AUD639m     USD6762m     EUR8922m
  As a percentage of total assets        1.7        0.01       0*         0.24        1.22         1.18
  Specific provisions                  EUR4.1b   AUD0.23m      0*       AUD205m        0         EUR3144m
  As a percentage of impaired assets     43.6      71.04       0*         32.1         0           35.2
   12.7          10.41        10.5         10.5


   6451          220          4023        39692
   32.9          0.12         40.0         6.0

HKD1987562m   KRW187126b   EUR374720m   AUD221339m
    9.5          8.42         3.05         15.9


   172            0            5.81         71
   2.7            0            0.14        0.2
    50            0            4.54         8
   29.3           0           78.14        11.3

HKD22089m     KRW4126b     EUR4140m      AUD612m
   1.1           2.2          1.1          0.3
HKD11002m     KRW3312b     EUR1792m      AUD161m
   49.8         80.27        43.29         26.3
                                                                             G2 Information extracted from the Key Information Summaries of overseas incorp
                                                                                         Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO      AMP Bank                     CBA (NZ)       Citibank     Deutsche Bank
                                                                                          Mit.(Aust.)                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec       31-Dec        31-Dec          30-Jun        31-Dec         31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-03    31-Dec-03     31-Dec-03       31-Dec-03     31-Dec-03      31-Dec-03       31-Dec-03
   Number of months covered by the disclosure statements           12           12            12               6            12             12              12
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-03    31-Dec-03     31-Dec-03       31-Dec-03     31-Dec-03      31-Dec-03       31-Dec-03
   Number of months covered by the disclosure statements           12           12            12               6            12             12              12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             4.4         3.83           1.32           141           14.8           347              47
   Net profit for previous 12 months as a percentage               0.6         0.37           0.60           0.92          0.65           2.65             0.8
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR3161m      AUD8.82m      AUD8.22m       AUD1243m      USD7919m        EUR1365m       HKD29410m
   Net profit for previous 12 months as a percentage              0.5          0.2           0.47           0.96          1.48            0.17            1.5
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0           0              3               0             0              0              0
   20-30%                                                           0           0              1               0             0              0              0
   >30%                                                             0           0              0               0             0              0              0
   Bank counterparties:
   10-50%                                                           0           0              0               0             0              0              0
   50-100%                                                          0           0              0               0             0              0              0
   >100%                                                            0           0              0               0             0              0              0

Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA-        BBB           BBB+          AA-/Aa3       Aa1/AA         Aa3/AA-           Aa3
   Issuer                                                      Moody's/S&P     S&P            S&P         S&P/Moody's   Moody's/S&P    Moody's/S&P       Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   8.15         8.69          67.26           7.26           8.4            10             10.3
aries of overseas incorporated banks

          Kookmin      Rabobank       Westpac

           31-Dec        31-Dec        30-Sep

          31-Dec-03     31-Dec-03     31-Dec-03
             12            12             3

          31-Dec-02     31-Dec-03     30-Sep-03
             12            12            12



            2.5           28.8          153
            1.14          0.81          1.16


          KRW1271b     EUR1370m      AUD2183m
            0.71%        0.35          1.15




              0             0             0
              0             0             0
              0             0             0

              0             0             1
              0             0             0
              0             0             0



          A3/BBB+       AAA/Aaa       AA-/Aa3
         Moody's/S&P   S&P/Moody's   S&P/Moody's



            6.62          10.8           7.2
  Capital (*2)                           11.73       12.15     85.42       9.46         12.56       13.9         12.1
Size
   Banking group in NZ:
  Total assets (NZ$m)                     499         45        228       32269         2315        12470        6333
  Percentage change last 12 months       -53.6      -97.77      8.16       17.8         -8.71        -9.2        18.7
  Overseas banking group:
  Total assets                         EUR560.4b   AUD2599m   AUD367m   AUD285879m   USD582123m   EUR803.6m   HKD2148741m
  Percentage change last 12 months        0.8        -59.51    -88.35      9.1          16.64        6.0         15.0
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0          0          0         26.2          0            0           25
  As a percentage of total assets          0          0          0         0.08          0            0          0.4
  Specific provisions (NZ$m)               0          0          0         9.5           0            0           10
  As a percentage of impaired assets       0          0          0         36.3          0            0          38.5
  Overseas banking group:
  Impaired assets                      EUR9.4b        0          0       AUD573m     USD6570m     EUR5255m    HKD19258m
  As a percentage of total assets        1.7          0          0         0.20        1.13         0.65         0.9
  Specific provisions                  EUR4.1b        0          0       AUD198m        0         EUR2471m    HKD9934m
  As a percentage of impaired assets     43.6         0          0         34.6         0           47.0         47.4
   10.41        10.9         10.5


    213         3867        40486
   -5.15        30.8         4.1

KRW187126b   EUR403305m   AUD221339m
   8.42         7.63         15.9


    0            1.5          72
    0            0,04        0.2
    0            0.92         14
    0           61.33        19.4

KRW4126b     EUR4332m      AUD612m
   2.2         1.07          0.3
KRW3312b     EUR1934m      AUD161m
  80.27         50           26.3
                                                                                  G2 Information extracted from the Key Information Summaries of overseas incorp
                                                                                              Bank of Tokyo-                                                  Hongkong and
                                                                ABN AMRO          AMP Bank                     CBA (NZ)       Citibank     Deutsche Bank
                                                                                                   Mit                                                          Shanghai
Time period covered
   Annual balance date                                             31-Dec          31-Dec        31- Mar         30-Jun        31-Dec          31-Dec            31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement              31-Mar-04       31-Mar-04     31-Mar-04       31-Mar-04     31-Mar-04       31-Mar-04         31-Mar-04
   Number of months covered by the disclosure statements              3               3             1               9             3               3                 3
   Overseas banking group:
                                                               31-Mar-04 or *31                                                            31-Mar-04 or *31
   End of period covered by the disclosure statement               Dec 03         31-Dec-03     31-Mar-04       31-Dec-03     31-Mar-04        Dec 03           31-Dec-03
   Number of months covered by the disclosure statements              3              12            12               6             3               3                12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)               0.2            0.5            0.7            211.0           3               70                7
   Net profit for previous 12 months as a percentage                 0.4            0.37           0.35            0.90          0.6             2.15              0.8
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                   EUR934m         AUD8.82m     JPY429283m      AUD1243m      USD2296m         EUR941m          HKD29410m
   Net profit for previous 12 months as a percentage                0.4             0.2           0.51           0.96          1.48             0.3               1.5
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                             0              0              0               0             0               0                0
   20-30%                                                             0              0              0               0             0               0                0
   >30%                                                               0              0              0               0             0               0                0
   Bank counterparties:
   10-50%                                                             0              0              0               0             0               0                0
   50-100%                                                            0              0              0               0             0               0                0
   >100%                                                              0              0              0               0             0               0                0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                        Aa3/AA-            BBB+           A-           AA-/Aa3       Aa1/AA         Aa3/AA-              Aa3
   Issuer                                                       Moody's/S&P          S&P          S&P          S&P/Moody's   Moody's/S&P    Moody's/S&P          Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
aries of overseas incorporated banks

          Kookmin      Rabobank       Westpac

           31-Dec        31-Dec        30-Sep

          31-Mar-04     31-Mar-04     31-Mar-04
              3             3             6


                        31-Dec-03
          31-Dec-02                   31-Mar-04
             12            12             6



            0.5            8            310
            0.92          0.83          1.13


          KRW1271b     EUR1370m      AUD1225m
            0.71         0.35          1.15




              0             0             0
              0             0             0
              0             0             0

              0             0             1
              0             0             0
              0             0             0


          A3/BBB+       AAA/Aaa       AA-/Aa3
         Moody's/S&P   S&P/Moody's   S&P/Moody's
  Tier 1 (*1)                            8.27        8.69        6.52          7.26          8.86       10.1         10.3
  Capital (*2)                          11.62       12.15       11.97          9.46         13.00       14.2         12.1
Size
   Banking group in NZ:
  Total assets (NZ$m)                     429        45          207          33486         2274        15305        6268
  Percentage change last 12 months       -62.6      -97.7        N/A           19.3         -5.89        9.7         20.9
  Overseas banking group:
  Total assets                         EUR640b    AUD2599m   JPY87686618m   AUD285879m   USD606191m    EUR878b    HKD2148741m
  Percentage change last 12 months       7.2        -59.51       10.17         9.1          17.66        9.5          15
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0          0            0            24.7          0            0           23
  As a percentage of total assets         0          0            0            0.07          0            0          0.4
  Specific provisions (NZ$m)              0          0            0            9.0           0            0          7.1
  As a percentage of impaired assets      0          0            0            36.4          0            0          30.9
  Overseas banking group:
  Impaired assets                      EUR7.4b*      0       JPY1062966m     AUD573m     USD6062m     EUR5255m*   HKD19258m
  As a percentage of total assets        1.3 *       0           1.21          0.20         1.0         0.65*        0.9
  Specific provisions                   EUR4b*       0        JPY151962      AUD198m         0        EUR2471m*   HKD9934m
  As a percentage of impaired assets     54.1 *      0           14.3          34.6          0           47*         47.4
    6.62        10.8         7.2
   10.41        10.9         10.2


    248         3932        42300
   -0.38        16.61        4.9

KRW187126b   EUR403305m   AUD234471m
   8.42         7.63         13.6


    0           4.2           65
    0           0.11         0.2
    0           1.1           7
    0           27.4         10.8

KRW4126b     EUR4332m      AUD589m
   2.2         1.07          0.3
KRW3312b     EUR1934m      AUD210m
  80.27         50           35.7
                                                                             G2 Information extracted from the Key Information Summaries of overseas incorp
                                                                                          Bank of Tokyo-                                                Hongkong and
                                                               ABN AMRO      AMP Bank                      CBA (NZ)       Citibank     Deutsche Bank
                                                                                               Mit                                                        Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Dec        31-Mar          30-Jun        31-Dec          31-Dec          31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-04     30-Jun-04     30-Jun-04       30-Jun-04     30-Jun-04       30-Jun-04       30-Jun-04
   Number of months covered by the disclosure statements            6             6             3              12             6               6               6
   Overseas banking group:
                                                                                                                                       30-Jun-04 or *
   End of period covered by the disclosure statement            30-Jun-04    31-Dec-03      31-Mar-04       30-Jun-04     30-Jun-04                       30-Jun-04
                                                                                                                                          31 Dec-03
   Number of months covered by the disclosure statements            6            12            12              12             6                6             6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             1            0.4            0.3             286          7.5             174              13
   Net profit for previous 12 months as a percentage              -0.2          -0.2           0.15            0.9          0.81            2.7              0.8
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR1921m       AUD9m        JPY429283m      AUD2572m      USD4419m        EUR1598m        HKD20284m
   Net profit for previous 12 months as a percentage              0.6           0.2           0.51            0.9          1.47            0.31             n/a
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0            0              0               0             0              0               0
   20-30%                                                           0            0              0               0             0              0               0
   >30%                                                             0            0              0               0             0              0               0
   Bank counterparties:
   10-50%                                                           0            0              0               0             0              0               0
   50-100%                                                          0            0              0               0             0              0               0
   >100%                                                            0            0              0               0             0              0               0

Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA-          A-          A-/A2          AA-/Aa3       Aa1/AA         Aa3/AA-            Aa3
   Issuer                                                      Moody's/S&P      S&P        S&P/Moodys      S&P/Moody's   Moody's/S&P    Moody's/S&P        Moody's
Capital adequacy
(of the overseas banking group as a percentage of total
ries of overseas incorporated banks

         Kookmin      Rabobank       Westpac

           31-Dec       31-Dec        30-Sep

          30-Jun-04    30-Jun-04     30-Jun-04
              6            6             9


         31-Dec-03     31-Dec-03     31-Mar-04
             12           12             6



            1.0           13           471
            0.85         0.75          1.48


         -KRW742b     EUR1370m      AUD1225m
            -0.4        0.35          1.15




             0             0             0
             0             0             0
             0             0             0

             0             0             1
             0             0             0
             0             0             0



         A3/BBB+       AAA/Aaa       AA-/Aa3
        Moody's/S&P   S&P/Moody's   S&P/Moody's
risk-weighted credit exposures)
   Tier 1 (*1)                           8.33       8.69        6.52           7.43         8.42       9.4          10.9
   Capital (*2)                         11.32      12.15       11.97          10.25        12.62       13.6         12.5
Size
   Banking group in NZ:
  Total assets (NZ$m)                    582        10          189          35365         2175        12904        6286
  Percentage change last 12 months      -13.3      -97.7        N/A           21.9         4.21         -2.0        -2.5
  Overseas banking group:
  Total assets                         EUR633b   AUD2599m   JPY87686618m   AUD305995m   USD648243m    EUR849b    HKD2234703m
  Percentage change last 12 months       3.0       -59.51       10.17         15.4         23.83        -0.2        12.4
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0         0            0            25.9          0            0          23.8
  As a percentage of total assets         0         0            0            0.07          0            0          0,.4
  Specific provisions (NZ$m)              0         0            0            8.8           0            0           5.7
  As a percentage of impaired assets      0         0            0            34.0          0            0          23.9
  Overseas banking group:
  Impaired assets                      EUR7.4b      0       JPY1062966m     AUD340m     USD5828m     EUR5255m*   HKD13954m
  As a percentage of total assets        1.3        0           1.21          0.11         0.9          0.65         0.6
  Specific provisions                  EUR4.0b      0        JPY151962      AUD143m         0        EUR2471m*   HKD6314m
  As a percentage of impaired assets     54.1       0           14.3          42.1          0           47.0        45.2
    6.22        10.8         7.2
   10.00        10.9         10.2


   276          4110        42370
   19.6         15.64        2.8

KRW186773b   EUR403305m   AUD234471m
   -0.19        7.63         13.6


    0           3.9           59
    0           0.1          0.1
    0           0.7           10
    0           18.4         16.9

KRW5053b     EUR4332m      AUD589m
   2.71        1.07          0.3
KRW3712b     EUR1934m      AUD210m
  73.46         50           35.7
                                                                             G2 Information extracted from the Key Information Summaries of overseas incorporated
                                                                                    Bank of Tokyo-                                                 Hongkong and
                                                                ABN AMRO                             CBA (NZ)      Citibank    Deutsche Bank                       Kookmin
                                                                                         Mit                                                         Shanghai
Time period covered
   Annual balance date                                              31-Dec             31-Mar          30-Jun       31-Dec          31-Dec            31-Dec        31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement              30-Sep-04           30-Sep-04       30-Sep-04    30-Sep-04      30_Sep-04          30-Sep-04     30-Sep-04
   Number of months covered by the disclosure statements              9                   6               3            9              9                  9             9
   Overseas banking group:
                                                               30-Sep-04 or * 31-                                              30-Sep-04 or * 31
   End of period covered by the disclosure statement                Dec-04            30-Sep-04       30-Jun-04    30-Sep-04        Dec-03           30-Jun-04     31-Dec-03
   Number of months covered by the disclosure statements              9                   6              12            9              9                  6            12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)                 4                 0.5             84           12             296                18            1.7
   Net profit for previous 12 months as a percentage                  1.1                0.27            0.9         0.83            2.37               0.7           0.9
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                   EUR2972m           JPY136521m      AUD2572m      USD6757m      EUR2277m           HKD20284m     -KRW742b
   Net profit for previous 12 months as a percentage                 0.4                0.15            0.9          1.47          0.32                n/a           -0.4
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                              0                  0               0           0                0                0              0
   20-30%                                                              0                  0               0           0                0                0              0
   >30%                                                                0                  0               0           0                0                0              0
   Bank counterparties:
   10-50%                                                              0                  0               0           0                0                0              0
   50-100%                                                             0                  0               0           0                0                0              0
   >100%                                                               0                  0               0           0                0                0              0

Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                         Aa3/AA-              A-/A1          AA-/Aa3        AA           Aa3/AA-              Aa3         A3/BBB+
   Issuer                                                        Moody's/S&P         S&P/Moody's     S&P/Moody's     S&P         Moody's/S&P          Moody's     Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
f overseas incorporated banks

         Rabobank      Westpac

           31-Dec       30-Sep

          30-Sep-04    30-Sep-04
              9           12


          31-Dec-03
                       30-Sep-04
             12           12



             20          617
            0.72         1.5


         EUR1370m     AUD2539m
           0.35          1.1




             0            0
             0            0
             0            0

             0            1
             0            0
             0            0



          AAA/Aaa      AA-/Aa3
         S&P/Moodys   S&P/Moodys
risk-weighted credit exposures)
   Tier 1 (*1)                            8.5          6.69           7.43         8.23        9.2          10.9           6.22
   Capital (*2)                          11.31        10.56          10.25        12.34        13.7         12.5          10.00
Size
   Banking group in NZ:
  Total assets (NZ$m)                    592           187          37398         2260        19978         6365           269
  Percentage change last 12 months       32.2          NA            22.5         17.89        47.1         -1.3          22.53
  Overseas banking group:
  Total assets                         EUR637.5b   JPY95304773m   AUD305995m   USD651345m    EUR845b     HKD2234703m   KRW186773b
  Percentage change last 12 months        6.1          10.33         15.4         17.37        -2.2         12.4          -0.19
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0            0            21.1          0            0            23            0
  As a percentage of total assets          0            0            0.06          0            0           0.4            0
  Specific provisions (NZ$m)               0            0            9.5           0            0           5.1            0
  As a percentage of impaired assets       0            0            45.0          0            0           22.2           0
  Overseas banking group:
  Impaired assets                      EUR7.4b*    JPY1180742m     AUD340m     USD5330m     EUR5255m *   HKD13954m     KRW5053b
  As a percentage of total assets         1.3           1.24         0.11        0.82          0.65         0.6           2.71
  Specific provisions                   EUR4b*      JPY301565m     AUD143m        0         EUR2471m *   HKD6314m      KRW3712b
  As a percentage of impaired assets     54.1          25.54         42.1         0             47          45.2         73.46
   10.8         6.9
   10.9         9.7


   4289        42501
   6.61         6.4

EUR403305m   AUD245079m
   7.63         10.7


   1.4           58
   0.03         0.1
   0.7           8
    50          13.8

EUR4332m      AUD681m
  1.07          0.3
EUR1934m      AUD237m
   50           34.8
                                                                               G2 Information extracted from the Key Information Summaries of overseas incorp
                                                                             Bank of Tokyo-                                             Hongkong and
                                                               ABN AMRO                       CBA (NZ)      Citibank    Deutsche Bank                   Kookmin
                                                                                  Mit                                                     Shanghai
Time period covered
   Annual balance date                                           31-Dec         31-Mar          30-Jun       31-Dec        31-Dec          31-Dec        31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-04      31-Dec-04       31-Dec-04    31-Dec-04     31-Dec-04       31-Dec-04     31-Dec-04
   Number of months covered by the disclosure statements           12              9               6           12            12              12            12
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-04      30-Sep-04       31-Dec-04    31-Dec-04     31-Dec-04       31-Dec-04     31-Dec-03
   Number of months covered by the disclosure statements           12              6               6           12            12              12            12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             13             0.8             167          9             400             24            3
   Net profit for previous 12 months as a percentage               2.0            0.41            0.9         0.43           3.0             0.4          1.23
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR4109m       JPY136521m      AUD1859m      USD9413m      EUR2472m       HKD37880m     -KRW742b
   Net profit for previous 12 months as a percentage              0.7            0.15            1.1          1.48           0.3            1.6           -0.4
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0              0               0           0              0              0              0
   20-30%                                                           0              0               0           0              0              0              0
   >30%                                                             0              0               0           0              0              0              0
   Bank counterparties:
   10-50%                                                           0              0               0           0              0              0              0
   50-100%                                                          0              0               0           0              0              0              0
   >100%                                                            0              0               0           0              0              0              0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA-         A-/A1          AA-/Aa3        AA          Aa3/AA-           Aa3         A3/BBB+
   Issuer                                                      Moody's/S&P    S&P/Moody's     S&P/Moody's     S&P        Moody's/S&P       Moody's     Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    8.57           6.69           7.46          8.42         8.6             11.4          6.22
    Capital (*2)                                                  11.26          10.56           9.6          12.51         13.2            11.9           10
aries of overseas incorporated banks

          Rabobank      Westpac

           31-Dec        30-Sep

          31-Dec-04     31-Dec-04
             12             3

          31-Dec-04     30-Sep-04
             12            12



             27            168
            0.65           1.5


          EUR1536m     AUD2539m
            0.35          1.1




              0             0
              0             0
              0             0

              0             1
              0             0
              0             0


          AAA/Aaa       AA-/Aa3
         S&P/Moody's   S&P/Moody's



            11.4           6.9
            11.4           9.7
Size
   Banking group in NZ:
  Total assets (NZ$m)                   848          185          39400         2109       14376        6181          255
  Percentage change last 12 months      70.1         NA            22.1         -6.22       15.3        -2.4          19.7
  Overseas banking group:
  Total assets                         EUR609b   JPY95304773m   AUD320953m   USD694529m   EUR840b    HKD2459045m   KRW186773b
  Percentage change last 12 months       8.6         10.33         12.3         19.31       4.5         14.4          -0.19
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0           0             22           0           0           18            0
  As a percentage of total assets         0           0            0.06          0           0          0.3            0
  Specific provisions (NZ$m)              0           0            9.4           0           0          4.1            0
  As a percentage of impaired assets      0           0            42.7          0           0          22.8           0
  Overseas banking group:
  Impaired assets                      EUR7.4b   JPY1180742m     AUD445m     USD4910m     EUR3516m   HKD10375m     KRW5053b
  As a percentage of total assets        1.3          1.24         0.14        0.71         0.42        0.4           2.71
  Specific provisions                   EUR4b     JPY301565m     AUD180m        0         EUR1654m   HKD5609m      KRW3712b
  As a percentage of impaired assets     54.1        25.54         40.4         0            47         54.1         73.46
   4338        45736
   12.18        13.0

EUR475089m   AUD245079m
   17.8         10.7


     5           50
    0.11        0.1
     1           7
   22.57        14.0

EUR4079m      AUD681m
  0.86          0.3
EUR2085m      AUD237m
   51           34.8
                                                                               G2 Information extracted from the Key Information Summaries of overseas incorp
                                                                             Bank of Tokyo-                                             Hongkong and
                                                               ABN AMRO                       CBA (NZ)      Citibank    Deutsche Bank                   Kookmin
                                                                                  Mit                                                     Shanghai
Time period covered
   Annual balance date                                           31-Dec         31-Mar          30-Jun       31-Dec        31-Dec          31-Dec        31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Mar-05      31-Mar-05       31-Mar-05    31-Mar-05     31-Mar-05       31-Mar-05     31-Mar-05
   Number of months covered by the disclosure statements            3             12               9            3             3               3             3
   Overseas banking group:
   End of period covered by the disclosure statement            31-Mar-05      31-Mar-05       31-Dec-04    31-Mar-05     31-Mar-05       31-Dec-04     31-Dec-03
   Number of months covered by the disclosure statements            3             12               6            3             3              12            12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            -1.6            0.9             259          2.7          102               8           0.6
   Net profit for previous 12 months as a percentage              1.3             0.46            0.9          0.4          2.65             0.4          1.02
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                 EUR895m       JPY263476m      AUD1859m      USD2281m      EUR1103m       HKD37880m     -KRW 742b
   Net profit for previous 12 months as a percentage              0.4            0.29            1.1          1.43           0.3            1.6           -0.4
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0              0               0           0              0              0              0
   20-30%                                                           0              0               0           0              0              0              0
   >30%                                                             0              0               0           0              0              0              0
   Bank counterparties:
   10-50%                                                           0              0               0           0              0              0              0
   50-100%                                                          0              0               0           0              0              0              0
   >100%                                                            0              0               0           0              0              0              0

Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Rating                                                       Aa3/AA-         A-/A1          AA-/Aa3        AA          Aa3/AA-           Aa3         A3/BBB+
   Issuer                                                      Moody's/S&P    S&P/Moody's     S&P/Moody's     S&P        Moody's/S&P       Moody's     Moody's/S&P
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    8.4            6.86           7.46         8.65           9.2            11.4          6.22
aries of overseas incorporated banks

          Rabobank      Westpac

           31-Dec        30-Sep

          31-Mar-05     31-Mar-05
              3             6

          31-Dec-04     31-Mar-05
             12             6



             6            323
            0.59          1.42


          EUR1536m     AUD1325m
            0.35         1.04




              0             0
              0             0
              0             0

              0             1
              0             0
              0             0



          AAA/Aaa       AA-/Aa3
         S&P/Moody's   S&P/Moody's



            11.4           7.1
  Capital (*2)                           11.25        11.83          9.6          12.93       13.9        11.9           10
Size
   Banking group in NZ:
  Total assets (NZ$m)                    1334           198         40448         2788       17247        6424          263
  Percentage change last 12 months       210.9         -4.56         20.4         22.63       12.7         2.5          6.1
  Overseas banking group:
  Total assets                         EUR742.9b   JPY93632955m   AUD320952m   USD684592m   EUR901b    HKD2459045m   KRW186773b
  Percentage change last 12 months       16.1          6.78          12.3         12.93       2.6         14.4          -0.19
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0            0             42           0           0           20            0
  As a percentage of total assets          0            0            0.1           0           0          0.3            0
  Specific provisions (NZ$m)               0            0             11           0           0          4.3            0
  As a percentage of impaired assets       0            0            25.4          0           0          21.6           0
  Overseas banking group:
  Impaired assets                       EUR7b*     JPY973258m      AUD445m     USD4393m     EUR3516m   HKD10375m     KRW5053b
  As a percentage of total assets         1            1.04          0.14        0.64         0.42        0.4           2.71
  Specific provisions                  EUR2.9b*    JPY222470m      AUD180m        0         EUR1654m   HKD5609m      KRW3712b
  As a percentage of impaired assets     42.1         22.86          40.4         0            47         54.1         73.46
   11.4          10


   4466        46784
   13.59        10.6

EUR475089m   AUD253671m
   17.8         8.2


     5          50
    0.11        0.1
     2           7
   31.01        14

EUR4079m      AUD671m
  0.86          0.3
EUR2085m      AUD285m
   51           42.5
                                        G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bank of Tokyo-                                           Hongkong and
                                                               ABN AMRO                      CBA (NZ)    Citibank    Deutsche Bank                  Kookmin
                                                                                 Mit                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Mar         30-Jun      31-Dec        31-Dec          31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-05     30-June-05     30-Jun-05   30-Jun-05     30-Jun-05       30-Jun-05    30-Jun-05
   Number of months covered by the disclosure statements            6              3            12           6             6               6            6
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-05      31-Mar         30-Jun     30-Jun-05     30-Jun-05       30-Jun-05    31-Dec-04
   Number of months covered by the disclosure statements            6            12             12           6             6               6           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             0.4           0.2           353          4             204            13.9          1.1
   Net profit for previous 12 months as a percentage               1.4           0.12          0.9         0.26           3.3            0.4           1.0
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR1882m      JPY263476m      AUD3991m    USD4380m      EUR2050m       HKD19915m     KRW550b
   Net profit for previous 12 months as a percentage              0.5           0.29            1.3        1.39          0.32            n/a          0.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          0              0             0           0              0              0            0
   20-30%                                                          0              0             0           0              0              0            0
   >30%                                                            0              0             0           0              0              0            0
   Bank counterparties:
   10-50%                                                          0              0             0           0              0              0            0
   50-100%                                                         0              0             0           0              0              0            0
   >100%                                                           0              0             0           0              0              0            0

Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA-            A             AA-         AA            AA-             A+          BBB+
   Issued by Moody's                                              Aa3            A1            Aa3         Aa1           Aa3             Aa3          A3
   Issued by Fitch                                                AA-             -            AA          AA+           AA-             AA            -
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
banks

        Rabobank    Westpac

         31-Dec      30-Sep

        30-Jun-05   30-Jun-05
            6           9

        31-Dec-04   31-Mar-05
           12           6



          12.5        466
          0.59        1.35


        EUR1536m    AUD1325m
          0.35        1.04




           0           0
           0           0
           0           0

           0           1
           0           0
           0           0



          AAA         AA-
          Aaa         Aa3
          AA+         AA-
  Tier 1 (*1)                            9.63        6.86          7.46          8.48       9.1         11.4           6.73
  Capital (*2)                          12.45       11.83          9.75         12.72       13.6        12.2          11.12
Size
   Banking group in NZ:
  Total assets (NZ$m)                   1208         198          41670         2236       13537        6404          316
  Percentage change last 12 months      107.8        4.73          17.8          2.8        4.9          1.9          14.6
  Overseas banking group:
  Total assets                         EUR856b   JPY93632955m   AUD329035m   USD704855m   EUR964b    HKD2582298m   KRW182775b
  Percentage change last 12 months       35.2        6.78          7.5          8.73        13.5        14.9          -2.17
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0           0             32           0           0          18.6           0
  As a percentage of total assets         0           0            0.1           0           0          0.3            0
  Specific provisions (NZ$m)              0           0             9            0           0          6.9            0
  As a percentage of impaired assets      0           0            26.9          0           0          37.1           0
  Overseas banking group:
  Impaired assets                      EUR7b     JPY973258m      AUD376m     USD3972m     EUR3516m    HKD8874m     KRW3595b
  As a percentage of total assets       1.0          1.04          0.11        0.56         0.42         0.3         2.0
  Specific provisions                  EUR3b     JPY222470m      AUD157m        0         EUR1654m    HKD7275m     KRW3358b
  As a percentage of impaired assets    42.1        22.86          41.5         0            47         82.0         93.5
   11.4         7.1
   11.4         10.0


   4671        45684
   13.66        7.9

EUR475089m   AUD253671m
   17.8         8.2


     2           57
    0.5         0.1
    1.9          9
    85          15.8

EUR4079m      AUD671m
  0.86          0.3
EUR2085m      AUD285m
   51           42.5
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                              Bank of Tokyo-                                               Hongkong and
                                                               ABN AMRO                        CBA (NZ)    Citibank    Deutsche Bank                      Kookmin
                                                                                   Mit                                                       Shanghai
Time period covered
   Annual balance date                                           31-Dec          31-Mar         30-Jun      31-Dec         31-Dec             31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Sep-05       30-Sep-05      30-Sep-05   30-Sep-05      30-Sep-05          30-Sep-05    30-Sep-05
   Number of months covered by the disclosure statements            9               6              3           9              9                  9            9
   Overseas banking group:
                                                               30-Sep-05 or                                            30-Sep-05 or *31-
   End of period covered by the disclosure statement           *31-Dec-04       30-Sep-05      30-Jun-05   30-Sep-05        Dec-04           30-Jun-05    31-Dec-04
   Number of months covered by the disclosure statements            9               6             12           9              9                  6           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             3.5             0.4           104         5.5             246                21          1.8
   Net profit for previous 12 months as a percentage               1.6             0.24          1.0         0.13            2.2                0.4         0.86
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR3086m        JPY228506m      AUD3991m    USD6795m      EUR3042m           HKD19915m     KRW550b
   Net profit for previous 12 months as a percentage              0.4             0.25            1.3        1.37          0.36                n/a          0.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0               0             0           0               0                 0            0
   20-30%                                                           0               0             0           0               0                 0            0
   >30%                                                             0               0             0           0               0                 0            0
   Bank counterparties:
   10-50%                                                           0               0             0           0               0                 0            0
   50-100%                                                          0               0             0           0               0                 0            0
   >100%                                                            0               0             0           0               0                 0            0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                   AA-             A             AA-         AA              AA-               AA-           A-
   Issued by Moody's                                               Aa3             A1            Aa3         Aa1             Aa3               Aa3           A3
   Issued by Fitch                                                 AA-              -            AA          AA+             AA-               AA             -
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks

         Rabobank    Westpac

          31-Dec      30-Sep

         30-Sep-05   30-Sep-05
             9          12


         31-Dec-04   30-Sep-05
            12          12



            21         611
           0.62        1.3


         EUR1536m    AUD2818m
           0.35         1.1




               0        0
               0        0
               0        0

               0        0
               0        0
               0        0


           AAA         AA-
           Aaa         Aa3
           AA+         AA-
risk-weighted credit exposures)
   Tier 1 (*1)                           9.67         5.75          7.5           8.45       9.0          11.4           6.73
   Capital (*2)                         12.36        11.17          9.8          12.65       13.9         12.2          11.12
Size
   Banking group in NZ:
  Total assets (NZ$m)                    981           171         42663         2522        11584        6531           333
  Percentage change last 12 months        66          -8.56         14.1         11.55       -42.0         2.6          23.54
  Overseas banking group:
  Total assets                         EUR899b*   JPY91386844m   AUD329035m   USD704616m   EUR972b*    HKD2582298m   KRW182775b
  Percentage change last 12 months       41.1*        -4.11         7.5          8.18        15.0*        14.9          -2.17
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0            0             2            0            0           17            0
  As a percentage of total assets         0            0             0            0            0          0.3            0
  Specific provisions (NZ$m)              0            0             1            0            0           7             0
  As a percentage of impaired assets      0            0             50           0            0          39.9           0
  Overseas banking group:
  Impaired assets                       EUR7b*    JPY815299m      AUD376m     USD2570m     EUR3516m*    HKD8874m     KRW3595b
  As a percentage of total assets         1.0        0.89           0.1         0.36          0.42         0.3          2
  Specific provisions                  EUR2.9b*   JPY170413m      AUD157m        0         EUR1654m*    HKD7275m     KRW3358b
  As a percentage of impaired assets     42.1        20.9           41.8         0             47          82          93.5
   11.4         7.2
   11.4         9.7


   4599        45050
   7.23         6.0

EUR475089m   AUD259753m
   17.8         6.0


    2.27         80
    0.05        0.2
    1.87         20
   82.14        25.0

EUR4079m      AUD489m
  0,86          0.2
EUR2085m      AUD199m
  51.0          40.7
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bank of Tokyo-                                           Hongkong and
                                                               ABN AMRO                      CBA (NZ)    Citibank    Deutsche Bank                  Kookmin
                                                                                 Mit                                                   Shanghai
Time period covered
   Annual balance date                                           31-Dec        31-Mar         30-Jun      31-Dec        31-Dec          31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-05     31-Dec-05      31-Dec-05   31-Dec-05     31-Dec-05       31-Dec-05    31-Dec-05
   Number of months covered by the disclosure statements           12             9              6          12            12              12           12
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-05     30-Sep-05      31-Dec-05   31-Dec-05     31-Dec-05       31-Dec-05    31-Dec-04
   Number of months covered by the disclosure statements           12             6              6          12            12              12           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             4.8            1            211         24.6           276             24           2.4
   Net profit for previous 12 months as a percentage               0.5           0.42           1          1.0            2.7             0.4          0.8
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR4382m      JPY228506m      AUD1999m    USD8830m      EUR3529m       HKD37198m     KRW550b
   Net profit for previous 12 months as a percentage              0.5           0.25            1.1         1.3           0.4            1.4          0.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          0              0             0           0              0              0            0
   20-30%                                                          0              0             0           0              0              0            0
   >30%                                                            0              0             0           0              0              0            0
   Bank counterparties:
   10-50%                                                          0              0             0           0              0              0            0
   50-100%                                                         0              0             0           0              0              0            0
   >100%                                                           0              0             0           0              0              0            0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA-            A             AA-         AA            AA-             AA-           A-
   Issued by Moody's                                              Aa3            A1            Aa3         Aa1           Aa3             Aa3           A3
   Issued by Fitch                                                AA-             -            AA          AA+           AA-             AA             -
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   10.62          5,75           7.5        8.41           8.7            11.7         6.73
orated banks

         Rabobank    Westpac

          31-Dec      30-Sep

         31-Dec-05   31-Dec-05
            12           3

         31-Dec-04   30-Sep-05
            12          12



            27         169
            0.6        1.4


         EUR1536m    AUD2818m
           0.35         1.1




               0        0
               0        0
               0        0

               0        0
               0        0
               0        0


           AAA         AA-
           Aaa         Aa3
           AA+         AA-



           11.4         7.2
  Capital (*2)                           13.14        11.17          9.8          12.55       13.5        12.4          11.12
Size
   Banking group in NZ:
  Total assets (NZ$m)                    963           348          44727         2612        5884        6481          372
  Percentage change last 12 months       13.5         88.67          13.5         23.8        -59.1        4.9          45.8
  Overseas banking group:
  Total assets                         EUR880.8b   JPY91386844m   AUD351193m   USD706497m   EUR992b    HKD2672532m   KRW182775b
  Percentage change last 12 months       21.1          -4.11         4.1           1.7        18.1         7.5          -2.17
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   0            0             11           0           0           13            0
  As a percentage of total assets          0            0             0            0           0           0.2           0
  Specific provisions (NZ$m)               0            0             2            0           0            8            0
  As a percentage of impaired assets       0            0            18.2          0           0           57            0
  Overseas banking group:
  Impaired assets                       EUR7b      JPY815296m      AUD396m     USD24540m    EUR2576m    HKD6999m     KRW3595b
  As a percentage of total assets        1.0           0.9           0.1          0.35         0.3         0.3          2
  Specific provisions                  EUR2.9b     JPY170413m      AUD179m         0        EUR1230m    HKD6576m     KRW3358b
  As a percentage of impaired assets     42.1         20.9           45.2          0           48          94          93.5
   11.4         9.7


   4956        48463
   14.24        6.9

EUR475089m   AUD259753m
   17.8          6


   0.67          70
   0.01         0.1
   0.61          17
   95.9         24.3

EUR4079m      AUD489m
  0.86          0.2
EUR2085m      AUD199m
  51.0          40.7
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                              Bk Tokyo-Mit
                                                               ABN AMRO                       CBA (NZ)      Citibank    Deutsche Bank     HSBC         Kookmin     Rabobank      Westpac
                                                                                  UFJ
Time period covered
   Annual balance date                                           31-Dec          31-Mar         30-Jun       31-Dec        31-Dec          31-Dec       31-Dec       31-Dec       30-Sep
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Mar-06       31-Mar-06      31-Mar-06    31-Mar-06     31-Mar-06      31-Mar-06     31-Mar-06    31-Mar-06    31-Mar-06
   Number of months covered by the disclosure statements            3              12              9            3             3              3             3            3            6
   Overseas banking group:
                                                               31-Mar-06 or                                              31-Mar-06 or
   End of period covered by the disclosure statement            *31-Dec-05      31-Mar-06      31-Dec-05    31-Mar-06     *31-Dec-05     31-Dec-05     31-Dec-04    31-Dec-05    31-Mar-06
   Number of months covered by the disclosure statements             3             12              6            3              3            12            12           12            6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             0.9             1.4           314           4.9           80             7.7           0.8          1.3         333
   Net profit for previous 12 months as a percentage               0.6             0.5           0.9          1.05           2.1            0.3           0.7          0.3         1.3
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR1038m        JPY484147m     AUD1999m     USD2778m       EUR1710m      HKD37198m      KRW550b     EUR2083m     AUD1469m
   Net profit for previous 12 months as a percentage              0.5              0.4           1.1         1.31            0.4           1.4           0.3          0.4          1.1
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0               0              0            0             0              0             0            0            0
   20-30%                                                           0               0              0            0             0              0             0            0            0
   >30%                                                             0               0              0            0             0              0             0            0            0
   Bank counterparties:
   10-50%                                                           0               0              0            0             0              0             0            0            0
   50-100%                                                          0               0              0            0             0              0             0            0            0
   >100%                                                            0               0              0            0             0              0             0            0            0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                   AA-             A             AA-          AA             AA-            AA-           A-          AAA          AA-
   Issued by Moody's                                               Aa3             A1            Aa3          Aa1            Aa3            Aa3           A3          Aaa          Aa3
   Issued by Fitch                                                 AA-              -            AA           AA+            AA-            AA             -          AA+          AA-
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    8.07            7.05           7.5          8.25           8.8           11.7          6.73        11.6          6.8
    Capital (*2)                                                  10.42           12.48           9.8         12.35          13.4           12.4         11.12        11.8          9.7
Size
   Banking group in NZ:
   Total assets (NZ$m)                                            1091            368           47544         2628          6971           7422          486          5685        54064
   Percentage change last 12 months                               -18.2           85.9           17.5         -5.75         -59.6          15.6          80.2         26.1         16.9
   Overseas banking group:
   Total assets                                                EUR975.1b      JPY160772959m   AUD351193m   USD749335m     EUR1035b      HKD2672532m   KRW182775b   EUR506234m   AUD291879m
   Percentage change last 12 months                               27               71.7          4.1           9.5          14.8            7.5          -2.17         4.7         11.9
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                           0               0             1             0             0              11            0            1           52
   As a percentage of total assets                                  0               0             0             0             0              0.1           0          0.02          0.1
   Specific provisions (NZ$m)                                       0               0             1             0             0               8            0           0.6          12
   As a percentage of impaired assets                               0               0            100            0             0             73.6           0          64.9          23
   Overseas banking group:
   Impaired assets                                              EUR2.8b*      JPY1774277m      AUD396m     USD2270m      EUR2576m*       HKD6999m     KRW3595b     EUR4814m      AUD471m
   As a percentage of total assets                                 0.3             1.1            0.1         0.3           0.3             0.3          2            1.0          0.2
   Specific provisions                                          EUR2.1b*       JPY320453m      AUD179m         0         EUR1230m*       HKD6576m     KRW3358b     EUR2438m      AUD231m
   As a percentage of impaired assets                             76.7            18.1           45.2          0            48              94          93.5          51           49


   Last updated 3 August 2006
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bk Tokyo-Mit
                                                               ABN AMRO                     CBA (NZ)      Citibank    Deutsche Bank       HSBC        Kookmin     Rabobank     Westpac
                                                                                UFJ
Time period covered
   Annual balance date                                           31-Dec        31-Mar         30-Jun       31-Dec        31-Dec           31-Dec       31-Dec       31-Dec       30-Sep
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-06     30-Jun-06      30-Jun-06    30-Jun-06     30-Jun-06        30-Jun-06    30-Jun-06    30-Jun-06   30-Jun-06
   Number of months covered by the disclosure statements            6             3              12           6             6                6            6            6           9
   Overseas banking group:
                                                                30-Jun-06                                             30-Jun-06 *31-
   End of period covered by the disclosure statement                          31-Mar-06      30-Jun-06    30-Jun-06       Dec-05         30-Jun-06    31-Dec-05    31-Dec-05   31-Mar-06
   Number of months covered by the disclosure statements           6             12              12           6             6                6           12           12           6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)              6           0.34           424            6            243              13            2          20.33        487
   Net profit for previous 12 months as a percentage               1.0           0.1           0.9           1.0           3.3              0.4          0.8          0.7         1.4
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR2219m      JPY484147m     AUD3928m     USD5308m       EUR2936m       HKD20947m     KRW2252b     EUR2083m     AUD1469m
   Net profit for previous 12 months as a percentage              0.5            0.4           1.1          1.3            0.4            1.4          1.3           0.4          1.1
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          0              0             0            0              0               0             0            0           0
   20-30%                                                          0              0             0            0              0               0             0            0           0
   >30%                                                            0              0             0            0              0               0             0            0           0
   Bank counterparties:
   10-50%                                                          0              0             0            0              0               0             0            0           0
   50-100%                                                         0              0             0            0              0               0             0            0           0
   >100%                                                           0              0             0            0              0               0             0            0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA-            A             AA-          AA             AA-             AA-           A-          AAA          AA-
   Issued by Moody's                                              Aa3            A1            Aa3          Aaa            Aa3             Aa2           A3          Aaa          Aa3
   Issued by Fitch                                                AA-             -            AA           AA+            AA-             AA             -          AA+          AA-
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                    8.2           7.05           7.6          8.25           8.7            12.1          9.67        11.6         6.8
    Capital (*2)                                                  10.8          12.48           9.7         12.44          12.9            13.1         12.95        11.8         9.7
Size
   Banking group in NZ:
   Total assets (NZ$m)                                            1107          320           48511         2901          5381             6906         451          5743        50950
   Percentage change last 12 months                               -8.4          62.0           16.4         29.8          -60.2             7.8         42.6         22.2         10.7
   Overseas banking group:
   Total assets                                                 EUR986b     JPY160772959m   AUD369103m   USD777345m     EUR1058b       HKD2897825m   KRW179594b   EUR506234m   AUD291879
   Percentage change last 12 months                               15.2           71.7          9.4          10.3          9.8             12.3          -0.03         4.7        11.9
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                          0              0              5           0              0              12.1           0           1.2          56
   As a percentage of total assets                                 0              0              0           0              0               0.2           0            0           0.1
   Specific provisions (NZ$m)                                      0              0              1           0              0               9.4           0           0.7          14
   As a percentage of impaired assets                              0              0             20           0              0              77.7           0          53.2         25.0
   Overseas banking group:
   Impaired assets                                              EUR2.8b     JPY1774277m      AUD326m     USD2422m      EUR2567m*        HKD8224m     KRW2297b     EUR4814m     AUD471m
   As a percentage of total assets                                 0.3           1.1            0.1         0.3           0.3              0.3          1.3          1.0          0.2
   Specific provisions                                          EUR2.1b      JPY320453m      AUD171m         0         EUR1230m*        HKD7071m     KRW2453b     EUR2438m     AUD231m
   As a percentage of impaired assets                             76.7          18.1           52.5          0            48              86.0         106.8        51.0         49.0


   Last updated 26 October 2006
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                              Bk Tokyo-Mit
                                                               ABN AMRO                      CBA (NZ)    Citibank    Deutsche Bank     HSBC       Kookmin
                                                                                  UFJ
Time period covered
   Annual balance date                                           31-Dec          31-Mar       30-Jun      31-Dec        31-Dec         31-Dec      31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Sep-06       30-Sep-06    30-Sep-06   30-Sep-06     30-Sep-06      30-Sep-06   30-Sep-06
   Number of months covered by the disclosure statements            9               6            3           9             9              9           9
   Overseas banking group:
                                                               30-Sep-06 or                                           30-Sep-06 or
   End of period covered by the disclosure statement           *31-Dec-05       30-Sep-06    30-Jun-06   30-Sep-06    *31-Dec-05      30-Jun-06   31-Dec-05
   Number of months covered by the disclosure statements            9               6           12           9             9              6          12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)              8              0.7         116           8            177            20          2.5
   Net profit for previous 12 months as a percentage               0.8             0.2         0.9          1.0           2.4            0.4         0.8
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR3356m        JPY431149m    AUD3928m    USD7579m      EUR4172m      HKD20947m    KRW2252b
   Net profit for previous 12 months as a percentage              0.2              0.4          1.1         1.3           0.5           1.4         1.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           0              0            0           0              0             0           0
   20-30%                                                           0              0            0           0              0             0           0
   >30%                                                             0              0            0           0              0             0           0
   Bank counterparties:
   10-50%                                                           0              0            0           0              0             0           0
   50-100%                                                          0              0            0           0              0             0           0
   >100%                                                            0              0            0           0              0             0           0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                   AA-             A           AA-         AA             AA-           AA-          A-
   Issued by Moody's                                               Aa3             A1          Aa3         Aaa            Aa3           Aa2          A3
   Issued by Fitch                                                 AA-              -          AA          AA+            AA-           AA            -
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks

         Rabobank    Westpac

          31-Dec      30-Sep

         30-Sep-06   30-Sep-06
             9          12


         31-Dec-05   30-Sep-06
            12          12



            32         639
            0.7        1.2


         EUR2083m    AUD3071m
            0.4         1.1




               0        0
               0        0
               0        0

               0        0
               0        0
               0        0


           AAA         AA-
           Aaa         Aa3
           AA+         AA-
risk-weighted credit exposures)
   Tier 1 (*1)                           8.04          6.97          7.6           8.35        8.9         12.1           9.67
   Capital (*2)                         10.85         12.15          9.7          12.50        13          13.1          12.95
Size
   Banking group in NZ:
  Total assets (NZ$m)                    1218          421          50406         2720        5702         6532          424
  Percentage change last 12 months       24.0         145.7          18.2          7.9         -51          0.1          27.3
  Overseas banking group:
  Total assets                         EUR999b    JPY154723925m   AUD369103m   USD816362m   EUR1097b    HKD2897825m   KRW179594b
  Percentage change last 12 months       11.1          69.3          9.4          15.9        12.8         12.3          -0.03
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0             0             7            0            0          10.9           0
  As a percentage of total assets         0             0             0            0            0          0.2            0
  Specific provisions (NZ$m)              0             0             2            0            0          8.9            0
  As a percentage of impaired assets      0             0            28.6          0            0           82            0
  Overseas banking group:
  Impaired assets                      EUR2.8b*   JPY1344359m      AUD326m     USD2364m     EUR2576m*    HKD8224m     KRW2297b
  As a percentage of total assets        0.3           0.9           0.1          0.3          0.3          0.3          1.3
  Specific provisions                  EUR2.1b*    JPY219734m      AUD171m         0        EUR1230m*    HKD7071m     KRW2453b
  As a percentage of impaired assets     76.7         16.3           52.5          0           48           86          106.8


  Last updated 25 January 2007
   11.6         6.9
   11.8         9.5


   5480        52136
   18.2         15.0

EUR506234m   AUD299578m
    4.7         12.5


   7.1           66
   0.1          0.1
   0.6           14
   8.2          21.2

EUR4814m      AUD521m
   1            0.2
EUR2438m      AUD361m
   51           69.3
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                  Bk Tokyo-Mit
                                                               ABN AMRO                          CBA (NZ)    Citibank    Deutsche Bank    HSBC       Kookmin
                                                                                      UFJ
Time period covered
   Annual balance date                                             31-Dec            31-Mar       30-Jun      31-Dec        31-Dec         31-Dec     31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement              31-Dec-06         31-Dec-06    31-Dec-06   31-Dec-06     31-Dec-06     31-Dec-06   31-Dec-06
   Number of months covered by the disclosure statements             12                 9            6          12            12            12          12
   Overseas banking group:
                                                               31-Dec-06 or 31-
   End of period covered by the disclosure statement               Dec-05*          30-Sep-06    31-Dec-06   31-Dec-06     31-Dec-06     31-Dec-06   31-Dec-05
   Number of months covered by the disclosure statements             12                 6            6          12            12            12          12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)               12                2.3         247          8.4           175           28.7         3
   Net profit for previous 12 months as a percentage                 1.1               0.5         0.9          0.3           2.9           0.4         0.9
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                  EUR4780m          JPY431149m    AUD2191m    USD9338m      EUR5986m      HKD42605m   KRW2252b
   Net profit for previous 12 months as a percentage                0.5                0.4          1.1        1.15           0.6           1.5        1.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                             0                0            0           0              0             0          0
   20-30%                                                             0                0            0           0              0             0          0
   >30%                                                               0                0            0           0              0             0          0
   Bank counterparties:
   10-50%                                                             0                0            0           0              0             0          0
   50-100%                                                            0                0            0           0              0             0          0
   >100%                                                              0                0            0           0              0             0          0
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                     AA-               A           AA          AA+           AA-            AA          A-
   Issued by Moody's                                                 Aa1               A1          Aa3         Aaa           Aa3            Aa2         A3
   Issued by Fitch                                                   AA-                -          AA          AA+           AA-            AA           -
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks

         Rabobank    Westpac

          31-Dec      30-Sep

         31-Dec-06   31-Dec-06
            12           3


         31-Dec-06   30-Sep-06
            12          12



            46         144
            0.8        1.4


         EUR2345m    AUD3071m
            0.4         1.1




               0        0
               0        0
               0        0

               0        0
               0        0
               0        0


           AAA         AA-
           Aaa         Aa3
           AA+         AA-
risk-weighted credit exposures)
   Tier 1 (*1)                           8.45          6.97          7.1           8.32        8.9         12.3           9.67
   Capital (*2)                         11.14         12.15          9.8          12.39        12.8        13.5          12.95
Size
   Banking group in NZ:
  Total assets (NZ$m)                    1162         517.7         53177         3179         6020        6482          386
  Percentage change last 12 months       20.7          48.6          18.9         21.73         2.3         0            3.8
  Overseas banking group:
  Total assets                         EUR987b    JPY154723925m   AUD397261m   USD1019497m   EUR1126b   HKD3150840m   KRW179594b
  Percentage change last 12 months       12.1          69.3          7.6           44.3        13.5        17.9          -0.03
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  0             0             3             0           0          11.3           0
  As a percentage of total assets         0             0             0             0           0          0.1            0
  Specific provisions (NZ$m)              0             0             2             0           0          6.6            0
  As a percentage of impaired assets      0             0            66.7           0           0          58.4           0
  Overseas banking group:
  Impaired assets                      EUR2.8b*   JPY1334359m      AUD338m      USD3174m     EUR2024m    HKD8601m     KRW2297b
  As a percentage of total assets        0.3           0.9           0.1          0.31          0.2         0.3          1.3
  Specific provisions                  EUR2.1b*    JPY219734m      AUD171m         0         EUR1068m    HKD6843m     KRW2453b
  As a percentage of impaired assets     76.7         16.3           50.6          0            53         79.6         106.8


  Last updated 26 April 2007
   10.7         6.9
   11.0         9.5


   5735        58752
   15.5         21.3

EUR556455m   AUD299578m
    9.9         12.5


    6            63
   0.1          0.1
   0.6           16
   9.1          25.4

EUR4355m      AUD521m
   0.8          0.2
EUR2333m      AUD361m
   54           69.3
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                Bk Tokyo-Mit
                                                                ABN AMRO                       CBA (NZ)    Citibank    Deutsche Bank     HSBC       Kookmin
                                                                                    UFJ
Time period covered
   Annual balance date                                             31-Dec          31-Mar       30-Jun      31-Dec         31-Dec         31-Dec     31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement             31-Mar-07        31-Mar-07    31-Mar-07   31-Mar-07     31-Mar-07      31-Mar-07   31-Mar-07
   Number of months covered by the disclosure statements             3               12            9           3             3              3           3
   Overseas banking group:
                                                               31-Mar-07 *31-                                          31-Mar-07 *31-
   End of period covered by the disclosure statement               Dec-06         31-Mar-07    31-Dec-06   31-Mar-07       Dec-06       31-Dec-06   31-Dec-05
   Number of months covered by the disclosure statements              3              12            6           3              3            12          12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)              0.9               4          382          2.7           -18            9.1         0.7
   Net profit for previous 12 months as a percentage                0.8              0.7         1.0          0.3           -0.4           0.4         0.7
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                  EUR1064m        JPY744484m    AUD2191m    USD2155m      EUR2132m       HKD42605m   KRW2252b
   Net profit for previous 12 months as a percentage                0.5              0.5          1.1         1.0           0.5            1.5        1.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                            -                -            -           -             -              -           -
   20-30%                                                            -                -            -           -             -              -           -
   >30%                                                              -                -            -           -             -              -           -
   Bank counterparties:
   10-50%                                                            -                -            -           -             -              -           -
   50-100%                                                           -                -            -           -             -              -           -
   >100%                                                             -                -            -           -             -              -           -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                    AA-             A+           AA          AA+            AA-            AA          A
   Issued by Moody's                                                Aa2             Aa2          Aa1         Aaa            Aa3            Aa2         A3
   Issued by Fitch                                                  AA-              ..          AA          AA+            AA-            AA           ..
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks

         Rabobank    Westpac

          31-Dec      30-Sep

         31-Mar-07   31-Mar-07
             3           6



         31-Dec-06   31-Mar-07
            12           6



            19         307
            1.1        1.4


         EUR2345m    AUD1641m
            0.4         1.0




               -         -
               -         -
               -         -

               -         -
               -         -
               -         -


           AAA         AA
           Aaa         Aa3
           AA+         AA-
risk-weighted credit exposures)
   Tier 1 (*1)                           8.44          7.71          7.1           8.13        8.7          12.3           9.67
   Capital (*2)                          11.3         12.83          9.8          12.05        12.2         13.5          12.95
Size
   Banking group in NZ:
  Total assets (NZ$m)                     955         660           54965         2888         7612         7025          446
  Percentage change last 12 months       -13.2        79.3           15.6         10.1          9.2         -5.3          -8.2
  Overseas banking group:
  Total assets                         EUR1055b   JPY155863048m   AUD397261m   USD1076949m   EUR1747b    HKD3150840m   KRW179594b
  Percentage change last 12 months       8.2           -3.1          7.6           43.7        68.8         17.9          -0.03
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   -            -             2             -            -          13.7            -
  As a percentage of total assets          -            -            0.0            -            -          0.2             -
  Specific provisions (NZ$m)               -            -             2             -            -          6.6             -
  As a percentage of impaired assets       -            -            100            -            -          48.0            -
  Overseas banking group:
  Impaired assets                      EUR7.3b*   JPY1362100m      AUD338m      USD3475m     EUR2024m*    HKD8601m     KRW2297b
  As a percentage of total assets        0.7           0.9           0.1           0.3          0.2*         0.3          1.3
  Specific provisions                  EUR3.7b     JPY344556m      AUD171m          -        EUR1068m*    HKD855m      KRW2453b
  As a percentage of impaired assets     50.1         25.3           50.6           -           53*         80.0         106.8
   10.7         6.5
   11.0         9.4


   5873        58936
    3.3         9.0

EUR556455m   AUD328117m
    9.9         12.4


    7            67
   0.1          0.1
   0.4           17
   5.9          25.4

EUR4355m      AUD440m
   0.8          0.1
EUR2333m      AUD281m
   54           63.9
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bk Tokyo-Mit
                                                               ABN AMRO                    CBA (NZ)    Citibank    Deutsche Bank     HSBC       Kookmin
                                                                                UFJ
Time period covered
   Annual balance date                                           31-Dec        31-Mar        30-Jun     31-Dec        31-Dec         31-Dec      31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-07     30-Jun-07    30-Jun-07   30-Jun-07     30-Jun-07      30-Jun-07   30-Jun-07
   Number of months covered by the disclosure statements            6             3           12           6             6              6           6
   Overseas banking group:
                                                                                                                    30-Jun-07 or
   End of period covered by the disclosure statement            30-Jun-07     31-Mar-07    30-Jun-07   30-Jun-07                    30-Jun-07   31-Dec-06
                                                                                                                    *31-Dec-06
   Number of months covered by the disclosure statements           6             12           12           6             6             6           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             16             1           565         6.4            -9            19          1.7
   Net profit for previous 12 months as a percentage               1.3           0.2          1.1         0.3           -0.4           0.5         0.8
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR2,165m      JPY744b      AUD4,470m   USD5,202m    EUR3,909m      HKD32,599m   KRW2,427b
   Net profit for previous 12 months as a percentage              0.4           0.5           1.1         1.0          0.5            1.7          1.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           -             -            -           -             -              -           -
   20-30%                                                           -             -            -           -             -              -           -
   >30%                                                             -             -            -           -             -              -           -
   Bank counterparties:
   10-50%                                                           -             -            -           -             -              -           -
   50-100%                                                          -             -            -           -             -              -           -
   >100%                                                            -             -            -           -             -              -           -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA-           A+            AA         AA+            AA            AA           A
   Issued by Moody's                                              Aa2           Aa2           Aa1        Aaa            Aa1           Aa2          A2
   Issued by Fitch                                                AA-            ..           AA         AA+            AA-           AA            ..
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks

         Rabobank     Westpac

           31-Dec       30-Sep

          30-Jun-07   30-Jun-07
              6           9


         31-Dec-06    31-Mar-07
               12         6



             43          472
             0.7         1.1


         EUR2,345m    AUD1,641m
            0.4          1.0




               -          -
               -          -
               -          -

               -          -
               -          -
               -          -


            AAA          AA
            Aaa          Aa1
            AA+          AA-
risk-weighted credit exposures)
   Tier 1 (*1)                            8.17         7.71        7.1        8.21        8.4         8.3          10.07
   Capital (*2)                          10.52        12.83        9.8       12.24        11.8        11.2         14.17
Size
   Banking group in NZ:
  Total assets (NZ$m)                    1,781        578         58,532     3,423       8,455        6,567         377
  Percentage change last 12 months        60.9        80.4         20.7       18.2        57.1         -4.9        -16.5
  Overseas banking group:
  Total assets                         EUR1,120b   JPY155,863b   AUD425b   USD1,133b   EUR1,938b    HKD3,569b   KRW195,207b
  Percentage change last 12 months       13.6          -3.1        15.2      45.7        83.2         23.2         8.7
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   -            -           10         -           -           14            -
  As a percentage of total assets          -            -          0.0         -           -          0.2            -
  Specific provisions (NZ$m)               -            -           7          -           -           7             -
  As a percentage of impaired assets       -            -          70.0        -           -          48.7           -
  Overseas banking group:
  Impaired assets                      EUR7.3b      JPY1,362b    AUD421m   USD4,001m   EUR2,024m*   HKD9,236m   KRW1,575b
  As a percentage of total assets        0.7           0.9         0.1        0.4         0.2*         0.3         1.0
  Specific provisions                  EUR3.7b       JPY345b     AUD199m       -       EUR1,068m*   HKD6,965m   KRW2,374b
  As a percentage of impaired assets     50.1          25.3        47.3        -           53         75.4        150
  10.70       6.5
  11.00       9.4


  6,204      62,804
   8.0        23.3

EUR556b     AUD328b
  9.9         12.4


    6          72
   0.1        0.1
   0.5         17
   8.0        23.6

EUR4,355m   AUD440m
   0.8        0.1
EUR2,333m   AUD281m
   54         63.9
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                  Bk Tokyo-Mit
                                                                ABN AMRO                         CBA (NZ)    Citibank    Deutsche Bank        HSBC       Kookmin
                                                                                      UFJ
Time period covered
   Annual balance date                                             31-Dec            31-Mar        30-Jun     31-Dec         31-Dec           31-Dec      31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement              30-Sep-07         30-Sep-07    30-Sep-07   30-Sep-07      30-Sep-07        30-Sep-07   30-Sep-07
   Number of months covered by the disclosure statements              9                 6            3           9              9                9           9
   Overseas banking group:
                                                               30-Jun-07 or 31-                                          30-Jun-07 or 31-
   End of period covered by the disclosure statement               Dec-06*          30-Sep-07    30-Jun-07   30-Sep-07       Dec-06*         30-Jun-07   31-Dec-06
   Number of months covered by the disclosure statements               6                6           12           9               9               6          12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)              17.7               1.8          564        11.9            17               28          2.4
   Net profit for previous 12 months as a percentage                1.3                0.4          1.0        0.5             0.6              0.6         0.7
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                  EUR2,165m          JPY164b      AUD4,470m   USD6,821m     EUR5,540m        HKD32,599m   KRW2,427b
   Net profit for previous 12 months as a percentage                0.4               0.1           1.1         0.8           0.5              1.7          1.3
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                             -                 -            -           -              -                -           -
   20-30%                                                             -                 -            -           -              -                -           -
   >30%                                                               -                 -            -           -              -                -           -
   Bank counterparties:
   10-50%                                                             -                 -            -           -              -                -           -
   50-100%                                                            -                 -            -           -              -                -           -
   >100%                                                              -                 -            -           -              -                -           -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                    AA-               A+            AA         AA+            AA               AA           A
   Issued by Moody's                                                Aa2               Aa2           Aa1        Aaa            Aa1              Aa2          A2
   Issued by Fitch                                                  AA-                -            AA         AA             AA-              AA            -
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks

         Rabobank    Westpac

          31-Dec       30-Sep

         30-Sep-07   30-Sep-07
             9          12



         31-Dec-06   30-Sep-07
            12          12



            44          646
            1.0         1.1


         EUR2,345m   AUD3,451m
            0.4         1.0




               -         -
               -         -
               -         -

               -         -
               -         -
               -         -


           AAA          AA
           Aaa          Aa1
           AA+          AA-
risk-weighted credit exposures)
   Tier 1 (*1)                            8.17        7.86           7.1          8.22        8.8         8.3          10.07
   Capital (*2)                          10.52        13.0           9.8         12.30        12.0        11.2         14.17
Size
   Banking group in NZ:
  Total assets (NZ$m)                    1,826        608           59,471       3,543       5,950        6,386         406
  Percentage change last 12 months        49.9        44.5           18.0         30.4        4.4          -2.2         -4.2
  Overseas banking group:
  Total assets                         EUR1,120b   JPY153,278b   AUD425,139m   USD1,233b   EUR1,879b    HKD3,569b   KRW195,207b
  Percentage change last 12 months       13.6          -0.9         15.2         51.1        71.4         23.2         8.7
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   -            -             8            -           -           11            -
  As a percentage of total assets          -            -            0.0           -           -           0.2           -
  Specific provisions (NZ$m)               -            -             6            -           -            7            -
  As a percentage of impaired assets       -            -            75.0          -           -           61            -
  Overseas banking group:
  Impaired assets                      EUR7.3b*     JPY1,274b     AUD421m      USD5,687m   EUR2,024m*   HKD9,236m   KRW1,575b
  As a percentage of total assets        0.7           0.8          0.1           0.5         0.2          0.3         1.0
  Specific provisions                  EUR3.7b *     JPY385b      AUD199m          -       EUR1,068m*   HKD6,965m   KRW2,375b
  As a percentage of impaired assets     50.1          30.2         47.3           -          53           75         150.8
  10.70       6.5
  11.00       9.5


  6,452      64,707
   17.7       24.1

EUR556b     AUD374b
  9.9         25.1


    4         118
   0.1        0.2
   0.3         26
   6.7        22.0

EUR4,355m   AUD540m
   0.8         0.1
EUR2,333m    AUD266
   54         49.3
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bk Tokyo-Mit
                                                               ABN AMRO                    CBA (NZ)    Citibank    Deutsche Bank     HSBC       JP Morgan
                                                                                UFJ
Time period covered
   Annual balance date                                           31-Dec        31-Mar        30-Jun     31-Dec        31-Dec         31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Dec-07     31-Dec-07    31-Dec-07   31-Dec-07     31-Dec-07      31-Dec-07    31-Dec-07
   Number of months covered by the disclosure statements           12             9            6          12            12             12           12
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-07     30-Sep-07    31-Dec-07   31-Dec-07     31-Dec-07      31-Dec-07    31-Dec-07
   Number of months covered by the disclosure statements           12             6            6          12            12             12           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             19            2.8          259         12             -2            36           2.0
   Net profit for previous 12 months as a percentage               1.3           0.5          1.0         0.4           -0.3           0.6          8.3
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR9,975m      JPY164b      AUD2,371m   USD2,304m    EUR6,510m      HKD65,305m   USD10,732m
   Net profit for previous 12 months as a percentage              1.0           0.1           1.1         0.2          0.4            1.8          0.8
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           -             -            -           -             -              -            -
   20-30%                                                           -             -            -           -             -              -            -
   >30%                                                             -             -            -           -             -              -            -
   Bank counterparties:
   10-50%                                                           -             -            -           -             -              -            -
   50-100%                                                          -             -            -           -             -              -            -
   >100%                                                            -             -            -           -             -              -            -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA-           A+            AA         AA            AA             AA           AA
   Issued by Moody's                                              Aa2           Aa2           Aa1        Aa1           Aa1            Aa1          Aaa
   Issued by Fitch                                                AA-            ..           AA         AA            AA-            AA           AA-
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   12.42         7.86          7.0        8.98           8.6            8.8          8.3
orated banks

         Kookmin     Rabobank    Westpac

          31-Dec      31-Dec       30-Sep

         31-Dec-07   31-Dec-07   31-Dec-07
            12          12           3

         31-Dec-06   31-Dec-07   30-Sep-07
            12          12          12



             3          61          146
            0.8         1.0         1.0


         KRW2,427b   EUR2,662m   AUD3,451m
            1.3         0.5         1.0




               -         -           -
               -         -           -
               -         -           -

               -         -           -
               -         -           -
               -         -           -


            A          AAA          AA
            A2         Aaa          Aa1
             ..        AA+          AA-



           10.07       10.70        6.5
  Capital (*2)                           14.61        13.01          10.0        13.33       11.6        11.6        11.8
Size
   Banking group in NZ:
  Total assets (NZ$m)                    1,671        569           61,911       3,531       5,560       6,170        25
  Percentage change last 12 months        42.7        9.8            16.4         11.3        -7.8        -4.8        4.0
  Overseas banking group:
  Total assets                         EUR1,025b   JPY153,278b   AUD454,549m   USD1,252b   EUR2,020b   HKD3,952b   USD1,319b
  Percentage change last 12 months        3.9          -0.9         14.4         22.8        27.5        25.4        11.8
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   -            -             12           -           -          15           -
  As a percentage of total assets          -            -            0.0           -           -         0.2           -
  Specific provisions (NZ$m)               -            -             8            -           -          6            -
  As a percentage of impaired assets       -            -            66.7          -           -         43.0          -
  Overseas banking group:
  Impaired assets                       EUR4b       JPY1,274b     AUD562m      USD8,522m   EUR2,645m   HKD8,383m   USD6,608m
  As a percentage of total assets        0.4           0.8          0.1           0.7         0.1         0.2         0.5
  Specific provisions                   EUR3b        JPY385b      AUD268m          -       EUR1,705m   HKD7,260m   USD7,015m
  As a percentage of impaired assets     78.9          30.2         47.7           -          64         86.6        106.2
   14.17        10.90         9.5


    387         6,700        64,430
    0.7          16.8         9.7

KRW195,207b   EUR571b     AUD374,821m
   8.7          2.5          25.1


     -           4            136
     -          0.1           0.2
     -          0.5            36
     -          11.4          26.5

KRW1,575b     EUR4,198m    AUD540m
   1.0           0.7         0.1
KRW2,375b     EUR2,355m    AUD266m
  150.8          56          49.3
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bk Tokyo-Mit
                                                               ABN AMRO                    CBA (NZ)    Citibank    Deutsche Bank    HSBC       JP Morgan
                                                                                UFJ
Time period covered
   Annual balance date                                           31-Dec        31-Mar        30-Jun     31-Dec        31-Dec        31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            31-Mar-08     31-Mar-08    31-Mar-08   31-Mar-08     31-Mar-08     31-Mar-08   31-Mar-08
   Number of months covered by the disclosure statements            3            12            9           3             3             3           3
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-07     31-Mar-08    31-Dec-07   31-Mar-08     31-Mar-08     31-Dec-07   31-Mar-08
   Number of months covered by the disclosure statements           12            12            6           3             3            12           3

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             0.5           3.7          409          8            13            8.8         0.4
   Net profit for previous 12 months as a percentage               0.0           0.6          1.0         0.5           0.4           0.5         5.6
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR9,975m      JPY591b      AUD2,371m   -USD881m      -EUR141m      HKD65b      USD2,134m
   Net profit for previous 12 months as a percentage              1.0           0.4           0.6         -0.1          0.2          1.8          0.8
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           -             -            -           -             -             -           -
   20-30%                                                           -             -            -           -             -             -           -
   >30%                                                             -             -            -           -             -             -           -
   Bank counterparties:
   10-50%                                                           -             -            -           -             -             -           -
   50-100%                                                          -             -            -           -             -             -           -
   >100%                                                            -             -            -           -             -             -           -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA-           A+            AA         AA            AA            AA           AA
   Issued by Moody's                                              Aa2           Aa2           Aa1        Aa1           Aa1           Aa1          Aaa
   Issued by Fitch                                                AA-            ..           AA         AA-           AA-           AA           AA-
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   12.42         7.48          7.3        8.59           9.2           8.8         8.2
orated banks

         Kookmin     Rabobank    Westpac

          31-Dec      31-Dec       30-Sep

         31-Mar-08   31-Mar-08   31-Mar-08
             3           3           6

         31-Dec-07   31-Dec-07   31-Mar-08
            12          12           6



            0.9         -7          352
            0.9         0.5         1.1


         KRW2,774b   EUR2,662    AUD2,202m
            1.3        0.5          1.0




               -         -           -
               -         -           -
               -         -           -

               -         -           -
               -         -           -
               -         -           -


            A          AAA          AA
            A2         Aaa          Aa1
             ..        AA+          AA-



           9.74        10.7         7.4
  Capital (*2)                           14.61        11.28          9.7         12.88       11.6        11.6        12.0
Size
   Banking group in NZ:
  Total assets (NZ$m)                    1,554        643           64,141       3,336       7,094       6,324        26
  Percentage change last 12 months        65.5        -2.4           16.7         15.5        -6.8       -10.0        8.3
  Overseas banking group:
  Total assets                         EUR1,025b   JPY155,802b   AUD454,549m   USD1,293b   EUR2,305b   HKD3,952b   USD1,408b
  Percentage change last 12 months        3.9          -0.0         14.4         20.0        31.9        25.4        15.0
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   -            -             27           -           -          14           -
  As a percentage of total assets          -            -            0.0           -           -         0.2           -
  Specific provisions (NZ$m)               -            -             13           -           -          9            -
  As a percentage of impaired assets       -            -            48.1          -           -         63.0          -
  Overseas banking group:
  Impaired assets                       EUR3b       JPY1,180b     AUD562m      USD9,933m   EUR2,709m   HKD8,383m   USD7,280m
  As a percentage of total assets        0.3           0.8          0.1           0.8         0.1         0.2         0.5
  Specific provisions                  EUR1.3b       JPY278b      AUD268m          -       EUR1,667m   HKD7,260m   USD9,484m
  As a percentage of impaired assets      43           23.6         47.7           -          62         86.6        130.3
   12.62        10.9          10.1


    345         7,338        64,886
   -28.6         24.7         10.1

KRW218,866b   EUR571b     AUD401,717m
   12.1         2.5          22.7


     -          2.4           138
     -          0.0           0.2
     -          0.6            30
     -          26.5          21.7

KRW1,314b     EUR4,198m    AUD956m
   0.7           0.7         0.2
KRW2.536b     EUR1,426m    AUD423m
  193.0          34          44.2
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bk Tokyo-Mit
                                                               ABN AMRO                    CBA (NZ)    Citibank     Deutsche Bank    HSBC       JP Morgan
                                                                                UFJ
Time period covered
   Annual balance date                                           31-Dec        31-Mar        30-Jun      31-Dec        31-Dec        31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Jun-08     30-Jun-08    30-Jun-08    30-Jun-08     30-Jun-08     30-Jun-08    30-Jun-08
   Number of months covered by the disclosure statements            6             3           12            6             6             6            6
   Overseas banking group:
   End of period covered by the disclosure statement            31-Dec-07     31-Mar-08    30-Jun-08    30-Jun-08     30-Jun-08     30-Jun-08    30-Jun-08
   Number of months covered by the disclosure statements           12            12           12            6             6             6            6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)              4            1.3          490          13             9           17.5           1
   Net profit for previous 12 months as a percentage               0.4           0.7          0.8          0.5           0.2          0.5           8.1
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR9,975m      JPY591b      AUD4,822m   -USD1,803m     EUR504m       HKD31b      USD4,230m
   Net profit for previous 12 months as a percentage              1.0           0.4           1.0         -0.4          0.2           1.7          0.7
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           -             -            -            -             -             -            -
   20-30%                                                           -             -            -            -             -             -            -
   >30%                                                             -             -            -            -             -             -            -
   Bank counterparties:
   10-50%                                                           -             -            -            -             -             -            -
   50-100%                                                          -             -            -            -             -             -            -
   >100%                                                            -             -            -            -             -             -            -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA-           A+            AA          AA            AA-           AA           AA
   Issued by Moody's                                              Aa2           Aa2           Aa1         Aa1           Aa1           Aa1          Aaa
   Issued by Fitch                                                AA-            ..           AA          AA-           AA-           AA           AA-
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   12.42         7.48          8.4         8.92           9.3           9.9          8.2
orated banks

         Kookmin      Rabobank    Westpac

           31-Dec      31-Dec       30-Sep

          30-Jun-08   30-Jun-08   30-Jun-08
              6           6           9

         31-Dec-07    31-Dec-07   31-Mar-08
            12           12           6



             1.8         -8          535
             8.0         0.1         1.0


         KRW2,774b    EUR2,662m   AUD2,202m
            1.3          0.5         1.0




               -          -           -
               -          -           -
               -          -           -

               -          -           -
               -          -           -
               -          -           -


             A          AAA          AA
             A2         Aaa          Aa1
              ..         ..          AA-



            9.74        10.7         7.4
  Capital (*2)                           14.61        11.28          10.3        13.36        12.1        12.7          12
Size
   Banking group in NZ:
  Total assets (NZ$m)                    1,381        678           66,323       4,410        4,419       6,363         27
  Percentage change last 12 months       -22.5        17.2           13.3         28.8        -47.7        -3.1        12.4
  Overseas banking group:
  Total assets                         EUR1,025b   JPY155,802b   AUD487,572m   USD1,228b    EUR1,991b   HKD4,125b   USD1,378b
  Percentage change last 12 months        3.9          0.0          10.8          8.4          2.7        15.6        10.1
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                   -            -             30           -            -          32           -
  As a percentage of total assets          -            -            0.1           -            -         0.5           -
  Specific provisions (NZ$m)               -            -             22           -            1          8            -
  As a percentage of impaired assets       -            -            73.3          -            -         24.0          -
  Overseas banking group:
  Impaired assets                       EUR3b       JPY1,180b     AUD683m      USD10,999m   EUR2,546m    HKD12b     USD7,890m
  As a percentage of total assets        0.3           0.8          0.1           0.9          0.1         0.3         0.6
  Specific provisions                  EUR1.3b       JPY279b      AUD367m          -         EUR847m     HKD2b      USD10,740m
  As a percentage of impaired assets      48           23.6         53.7           -           33.3       18.6        136.1
   12.62        10.9          10.1


   424          7,289        66,849
   12.9          17.5         6.4

KRW218,866b   EUR571b     AUD401.717m
   12.1         2.5          22.7


     -            1           199
     -           0.0          0.3
     -           0.6           38
     -           58           19.1

KRW1,314b     EUR4,198m    AUD956m
   0.7           0.7         0.2
KRW2,536b     EUR1,425m    AUD423m
  193            34          44.2
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                            Bk Tokyo-Mit
                                                               ABN AMRO                    CBA (NZ)    Citibank     Deutsche Bank     HSBC       JP Morgan
                                                                                UFJ
Time period covered
   Annual balance date                                           31-Dec        31-Mar        30-Jun      31-Dec        31-Dec         31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement            30-Sep-08     30-Sep-08    30-Sep-08    30-Sep-08     30-Sep-08      30-Sep-08    30-Sep-08
   Number of months covered by the disclosure statements            9             6            3            9             9              9            9
   Overseas banking group:
   End of period covered by the disclosure statement            30-Jun-08     30-Sep-08    30-Jun-08    30-Sep-08     30-Sep-08      30-Jun-08    30-Sep-08
   Number of months covered by the disclosure statements            6             6           12            9             9              6            9

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)             7.7           2.8          95           19            22             28           1.3
   Net profit for previous 12 months as a percentage               0.5           0.4          0.7          0.5           0.1            0.6          6.4
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                EUR2,885m     JPY175,142m   AUD4,822m   -USD1,450m     EUR918m       HKD30,905m   USD6,871m
   Net profit for previous 12 months as a percentage              1.1            0.1          1.0         -0.5          0.1            1.7          0.6
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                           -             -            -            -             -              -            -
   20-30%                                                           -             -            -            -             -              -            -
   >30%                                                             -             -            -            -             -              -            -
   Bank counterparties:
   10-50%                                                           -             -            -            -             -              -            -
   50-100%                                                          -             -            -            -             -              -            -
   >100%                                                            -             -            -            -             -              -            -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA-           A+            AA          AA            AA-            AA           AA
   Issued by Moody's                                              Aa2           Aa2           Aa1         Aa1           Aa1            Aa1          Aaa
   Issued by Fitch                                                AA-            ..           AA          A+            AA-            AA           AA-
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   15.81         7.34          8.2         8.86          10.3            9.9          7.9
orated banks

         Kookmin     Rabobank    Westpac

          31-Dec      31-Dec       30-Sep

         30-Sep-08   30-Sep-08   30-Sep-08
             9           9          12

         31-Dec-07   31-Dec-07   30-Sep-08
            12          12          12



            3.1        -27.7        682
            0.9        -0.14        1.0


         KRW2,774b   EUR2,662m   AUD3,859m
            1.3         0.5         1.0




               -         -           -
               -         -           -
               -         -           -

               -         -           -
               -         -           -
               -         -           -


            A          AAA          AA
            A2         Aaa          Aa1
             ..        AA+          AA-



           9.74        10.7         6.5
  Capital (*2)                          19.23       10.64          11.6        13.38        12.7         12.7         11.4
Size
   Banking group in NZ:
  Total assets (NZ$m)                   1,747       1,022         69,907       3,084        4,420       5,998         27
  Percentage change last 12 months       -4.3        68.4          17.5        -13.0        -25.7        -6.1         8.1
  Overseas banking group:
  Total assets                         EUR913b   JPY155,120b   AUD487,572m   USD1,207b    EUR2,061b   HKD4,125b    USD1,769b
  Percentage change last 12 months      -18.5        1.2          10.8         -2.1          9.7        15.6         42.2
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  -           -             47           -            -           41           -
  As a percentage of total assets         -           -            0.1           -            -          0.7           -
  Specific provisions (NZ$m)              -           -             20           -            -           9            -
  As a percentage of impaired assets      -           -            42.6          -            -          21.0          -
  Overseas banking group:
  Impaired assets                      EUR2.7b    JPY1,190b     AUD683m      USD12,829m   EUR2,787m   HKD11,693m   USD16,226m
  As a percentage of total assets        0.3         0.8          0.1           1.1          0.1         0.3          0.9
  Specific provisions                  EUR1.3b     JPY273b      AUD367m          -         EUR828m    HKD2,171m    USD16,380m
  As a percentage of impaired assets     48          23.0         53.7           -           29.7        18.6         101
   12.62        10.9          9.5


   509          7,738        70,872
   25.2          19.9         9.7

KRW218,866b   EUR571b     AUD439,548m
   12.1         2.5          17.3


     -           28           278
     -           0.4          0.4
     -           0.4           66
     -           1.4          23.7

KRW1,314b     EUR4,198m   AUD1,065m
   0.7           0.7         0.2
KRW2,536b     EUR1,426m    AUD413m
  193            34          38.8
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                  Bk Tokyo-Mit
                                                               ABN AMRO                          CBA (NZ)    Citibank     Deutsche Bank     HSBC       JP Morgan
                                                                                      UFJ
Time period covered
   Annual balance date                                             31-Dec            31-Mar        30-Jun      31-Dec        31-Dec         31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement             31-Dec-08          31-Dec-08    31-Dec-08   31-Dec-08      31-Dec-08      31-Dec-08    31-Dec-08
   Number of months covered by the disclosure statements            12                  9            6          12             12             12           12
   Overseas banking group:
                                                               30-Jun-08 or 31-
   End of period covered by the disclosure statement               Dec-07*          30-Sep-08    31-Dec-08   31-Dec-08      31-Dec-08      31-Dec-08    31-Dec-08
   Number of months covered by the disclosure statements              6                 6            6          12             12             12           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)               10                4.5          213         36             58             40            1
   Net profit for previous 12 months as a percentage                 0.6               0.7          0.6         1.0            1.2            0.6          1.7
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                  EUR2,855m          JPY175b      AUD2,573m   -USD6,215m    -EUR3,896m     HKD54,980m   USD10,419m
   Net profit for previous 12 months as a percentage                1.1               0.1           0.9         -0.5          -0.2           1.3          0.7
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                             -                 -            -           -              -              -            -
   20-30%                                                             -                 -            -           -              -              -            -
   >30%                                                               -                 -            -           -              -              -            -
   Bank counterparties:
   10-50%                                                             -                 -            -           -              -              -            -
   50-100%                                                            -                 -            -           -              -              -            -
   >100%                                                              -                 -            -           -              -              -            -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                    A+                A+            AA          A+            A+             AA           AA-
   Issued by Moody's                                                Aa2               Aa2           Aa1         A1            Aa1            Aa1          Aa1
   Issued by Fitch                                                  AA-                ..           AA          A+            AA-            AA           AA-
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks

         Kookmin     Rabobank    Westpac

          31-Dec      31-Dec       30-Sep

         31-Dec-08   31-Dec-08   31-Dec-08
            12          12           3



         31-Dec-07   31-Dec-08   30-Sep-08
            12          12          12



            4.6        -121         220
            1.1        -1.6         1.1


         KRW2,774b   EUR2,754m   AUD3,859m
            1.3         0.5         1.0




               -         -           -
               -         -           -
               -         -           -

               -         -           -
               -         -           -
               -         -           -


            A          AAA          AA
            A2         Aaa          Aa1
             ..        AA+          AA-
risk-weighted credit exposures)
   Tier 1 (*1)                          15.81         7.34          8.8          9.94        10.1         10.3         8.7
   Capital (*2)                         19.23        10.64          11.4        15.18        12.2         13.4         12.5
Size
   Banking group in NZ:
  Total assets (NZ$m)                   1,492        1,064         72,647       3,832        3,973       6,190         113
  Percentage change last 12 months      -10.0         87.2          17.3         8.5         -28.4        0.3          352
  Overseas banking group:
  Total assets                         EUR913b    JPY155,120b   AUD618,761m   USD1,227b    EUR2,202b   HKD4,260b    USD1,746b
  Percentage change last 12 months      -18.5         1.2          30.9         -2.0         14.4         7.8         32.4
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  -            -            178           -            -           33           -
  As a percentage of total assets         -            -            0.2           -            -          0.5           -
  Specific provisions (NZ$m)              -            -             58           -            -           12           -
  As a percentage of impaired assets      -            -            32.6          -            -          34.7          -
  Overseas banking group:
  Impaired assets                      EUR2.7b*    JPY1,190b    AUD2,714m     USD25,938m   EUR2,282m   HKD13,080m   USD25,163m
  As a percentage of total assets        0.3*         0.8          0.4           2.1          0.1         0.3          1.4
  Specific provisions                  EUR1.3b*     JPY273b     AUD1,134m         -         EUR977m    HKD5.033m    USD17,153m
  As a percentage of impaired assets     48*          23.0        41.8            -           26.5        38.5         68.2
    9.74        12.7          9.8
   12.62        13.0          11.2


   427          8,411        77,725
   10.2          25.6         20.6

KRW218,866b   EUR612b     AUD439,548m
   12.1         7.3          17.3


     -          172           396
     -          2.0           0.5
     -          22.3          100
     -          12.9          25.3

KRW1,314b     EUR6,455m   AUD1,065m
   0.7           1.1         0.2
KRW2,536b     EUR2,357m    AUD413m
  193           36.5         38.8
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                           Bk Tokyo-Mit
                                                                 ANZ                      CBA (NZ)    Citibank    Deutsche Bank     HSBC       JP Morgan
                                                                               UFJ
Time period covered
   Annual balance date                                           31-Sep       31-Mar        30-Jun     31-Dec        31-Dec         31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement           31-Mar-09     31-Mar-09    31-Mar-09   31-Mar-09     31-Mar-09      31-Mar-09   31-Mar-09
   Number of months covered by the disclosure statements           6            12            9           3             3              3           3
   Overseas banking group:
   End of period covered by the disclosure statement           31-Mar-09     31-Mar-09    31-Dec-08   31-Mar-09     31-Mar-09      31-Dec-08   31-Mar-09
   Number of months covered by the disclosure statements           6            12            6           3             3             12           3

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            422            6           287          6            54            13.4         0.0
   Net profit for previous 12 months as a percentage              0.7           0.7          0.5         1.0           1.7           0.7          0.0
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                AUD1,417m   -JPY213,962m   AUD2,573m   USD1,470m    EUR1,182m      HKD54,980m   USD2,503m
   Net profit for previous 12 months as a percentage              0.6          -0.1          0.9         -0.3         -0.1           1.3          0.7
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          -             -            -           -             -              -           -
   20-30%                                                          -             -            -           -             -              -           -
   >30%                                                            -             -            -           -             -              -           -
   Bank counterparties:
   10-50%                                                          -             -            -           -             -              -           -
   50-100%                                                         -             -            -           -             -              -           -
   >100%                                                           -             -            -           -             -              -           -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA           A+            AA          A+           A+             AA           AA-
   Issued by Moody's                                              Aa1          Aa2           Aa1         A1           Aa1            Aa1          Aa1
   Issued by Fitch                                                AA-           ..           AA          A+           AA-            AA           AA-
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1 (*1)                                                   8.2          7.64          8.8        14.65         10.2           10.3         9.0
orated banks

         Kookmin     Rabobank    Westpac

          31-Dec      31-Dec       30-Sep

         31-Mar-09   31-Mar-09   31-Mar-09
             3           3           6

         31-Dec-08   31-Dec-08   31-Mar-09
            12          12           6



             2         47.9         239
            0.5        0.9          0.9


         KRW1,489b   EUR2,754m   AUD2,175m
            0.6         0.5         0.7




               -         -           -
               -         -           -
               -         -           -

               -         -           -
               -         -           -
               -         -           -


            A          AAA          AA
            A2         Aaa          Aa1
             ..        AA+          AA-



           9.92        12.70        8.4
  Capital (*2)                            11.0          12.02         11.4       18.19        11.7         13.4         12.8
Size
   Banking group in NZ:
  Total assets (NZ$m)                    132,972        1,138        72,812      3,794        4,295       6,088         178
  Percentage change last 12 months         18.1          77.0         13.7        13.7        -39.3        -3.7         584
  Overseas banking group:
  Total assets                         AUD502,798m   JPY160,826b   AUD619b     USD1,144b    EUR2,103b   HKD4,260b    USD1,688b
  Percentage change last 12 months        14.9           3.2         30.9        -11,5        -8.8         7.8          20
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                  629             -           355          -            -           30           -
  As a percentage of total assets         0.5             -           0.5          -            -          0.5           -
  Specific provisions (NZ$m)              269             -           106          -            -           13           -
  As a percentage of impaired assets      43.4            -           30.0         -            -          43.1          -
  Overseas banking group:
  Impaired assets                      AUD4,141m      JPY1,166b    AUD2,714m   USD29,600m   EUR3,008m   HKD13,080m   USD31,331m
  As a percentage of total assets         0.8            0.7          0.4         2.6          0.1         0.3          1.9
  Specific provisions                  AUD1,341m       JPY230b     AUD1,134m       -        EUR1,263m   HKD5,033m    USD20,342m
  As a percentage of impaired assets     32.4            19.7        41.8          -          27.8         38.5         64.9
   13.18        13.00         11.4


   406          8,628        77,850
   17.4          17.6         20.7

KRW266,460b   EUR612b     AUD594,230m
   20.1         7.4          46.7


     -          219           710
     -          2.5           0.9
     -          22.2          235
     -          10.1          33.1

KRW2,648b     EUR6,455m   AUD3,299m
   1.3           1.1         0.6
KRW3,529b     EUR2,357m   AUD1.416m
  133.3         36.5        42.9
                                                  G2 Information extracted from the Key Information Summaries of overseas incorporated banks
                                                                                   Bk Tokyo-Mit
                                                                    ANZ                           CBA (NZ)    Citibank     Deutsche Bank         HSBC       JP Morgan
                                                                                       UFJ
Time period covered
   Annual balance date                                              30-Sep            31-Mar        30-Jun      31-Dec          31-Dec           31-Dec       31-Dec
   Banking group in NZ:
   End of period covered by the disclosure statement              30-Jun-09          30-Jun-09    30-Jun-09    30-Jun-09      30-Jun-09         30-Jun-09    30-Jun-09
   Number of months covered by the disclosure statements              9                  3           12            6              6                 6            6
   Overseas banking group:
                                                               31-Mar-09 or *30-                                           30-Jun-09 or *31-
   End of period covered by the disclosure statement               Jun-09            31-Mar-09    30-Jun-09    30-Jun-09        Dec-08          30-Jun-09    30-Jun-09
   Number of months covered by the disclosure statements              6                 12           12            6               6                6            6

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)               478                2.5          379          14              78               26           0.0
   Net profit for previous 12 months as a percentage                 0.5                0.7          0.5          1.0             3.1              0.8          0.2
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                  AUD1,417m         -JPY213,962m   AUD4,723m   -USD1,477m     EUR2,255m         HKD24,443m   USD3,959m
   Net profit for previous 12 months as a percentage                0.6                -0.1          0.9         -0.5           -0.1              1.1          0.6
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                             -                  -            -            -               -                -            -
   20-30%                                                             -                  -            -            -               -                -            -
   >30%                                                               -                  -            -            -               -                -            -
   Bank counterparties:
   10-50%                                                             -                  -            -            -               -                -            -
   50-100%                                                            -                  -            -            -               -                -            -
   >100%                                                              -                  -            -            -               -                -            -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                     AA                A+            AA           A+             A+               AA           AA-
   Issued by Moody's                                                 Aa1               Aa2           Aa1          A1             Aa1              Aa1          Aa1
   Issued by Fitch                                                   AA-                ..           AA           A+             AA-              AA           AA-
Capital adequacy
(of the overseas banking group as a percentage of total
orated banks

         Kookmin      Rabobank       Westpac

           31-Dec      31-Dec          30-Sep

          30-Jun-09   30-Jun-09      30-Jun-09
              6           6              9

                                  31-Mar-09 or *30-
         31-Dec-08    31-Dec-08       Jun-09
            12           12              6



              4          63             305
             0.8         0.9            0.6


         KRW1,873b    EUR2,754m     AUD2,175m
            0.8          0.5           0.7




               -          -              -
               -          -              -
               -          -              -

               -          -              -
               -          -              -
               -          -              -


             A          AAA             AA
             A2         Aaa             Aa1
              ..        AA+             AA-
risk-weighted credit exposures)
   Tier 1 (*1)                            9.7*         7.64         8.1         14.6         11.0         11.9         9.3
   Capital (*2)                          12.4*        12.02         10.4        17.4         12.5         15.9         13.1
Size
   Banking group in NZ:
  Total assets (NZ$m)                   126,230       1,211        72,056      2,998        3,869        5,257         118
  Percentage change last 12 months        9.8          78.7         8.6        -32.0        -12.2        -17.4         337
  Overseas banking group:
  Total assets                         AUD503b     JPY160,826b   AUD620b     USD1,165b    EUR1,733b    HKD4,385b    USD1,664b
  Percentage change last 12 months       14.9          3.2         27.2        -5.1         -13.0         6.3          21
Asset quality
  Banking group in NZ:
  Impaired assets (NZ$m)                 873            -           420          -            -            48           -
  As a percentage of total assets        0.7            -           0.6          -            -           0.9           -
  Specific provisions (NZ$m)             404            -           124          -            -            13           -
  As a percentage of impaired assets     46.3           -           29.5         -            -           27.9          -
  Overseas banking group:
  Impaired assets                      AUD3,912m    JPY1,166b    AUD4,210m   USD33,351m   EUR4,707m*   HKD16,141m   USD36,115m
  As a percentage of total assets         0.7          0.7          0.7         2.9          0.3*         0.4          2.2
  Specific provisions                  AUD1,234m     JPY230b     AUD1,729m       -        EUR1,846m*   HKD7,540m    USD21,995m
  As a percentage of impaired assets     31.5          19.7        41.1          -          27.4*         46.7         60.9
    9.92        12.7         8.2*
   13.18        13.0        11.0*


   470          8,879       74,263
   11.0          21.8        11.9

KRW267,549b   EUR612b     AUD594b
   19.9         7.3         46.7


     -          211          836
     -          2.4          1.1
     -          51.9         378
     -          24.6         45.2

KRW2,558b     EUR6,455m   AUD3,299m
   1.0           1.1         0.6
KRW1,156b     EUR36.5m    AUD1,416m
  45.2          36.5        42.9
                                                  G2 Information extracted from the Key Information Summarie
                                                                           Bk Tokyo-Mit
                                                                 ANZ                      CBA (NZ)
                                                                               UFJ
Time period covered
   Annual balance date                                           30-Sep       31-Mar        30-Jun
   Banking group in NZ:
   End of period covered by the disclosure statement           30-Sep-09     30-Sep-09    30-Sep-09
   Number of months covered by the disclosure statements          12             6            3
   Overseas banking group:
   End of period covered by the disclosure statement           30-Sep-09     30-Sep-09    30-Jun-09
   Number of months covered by the disclosure statements           12            6           12

Profitability
  Banking group in NZ:
   Net profit after tax and extraordinary items (NZ$m)            194            5           -117
   Net profit for previous 12 months as a percentage              0.2           0.7           0.2
   of average total assets
   Overseas banking group:
   Net profit after tax and extraordinary items                AUD2,945m     JPY123b      AUD4,723m
   Net profit for previous 12 months as a percentage              0.6          -0.2          0.9
   of average total assets

Peak credit exposure concentrations
(number for banking group in NZ in relation to the equity of
the overseas banking group)
   Non-bank counterparties:
   10-20%                                                          -             -            -
   20-30%                                                          -             -            -
   >30%                                                            -             -            -
   Bank counterparties:
   10-50%                                                          -             -            -
   50-100%                                                         -             -            -
   >100%                                                           -             -            -
Credit rating(s)
(on NZ$ long-term senior unsecured obligations in NZ)
   Issued by Standard and Poor's                                  AA           A+            AA
   Issued by Moody's                                              Aa1          Aa2           Aa1
   Issued by Fitch                                                AA-           A            AA
Capital adequacy
(of the overseas banking group as a percentage of total
 risk-weighted credit exposures)
    Tier 1                                                        10.6          9.2           8.1
    Capital                                                       13.7         13.72         10.4
Size
   Banking group in NZ:
   Total assets (NZ$m)                                          126,314        1,327        71,455
   Percentage change last 12 months                               2.6           29.8          2.2
   Overseas banking group:
   Total assets                                                AUD477b      JPY162,793b   AUD620b
   Percentage change last 12 months                              1.4            5.0         27.2
Asset quality
  Banking group in NZ:
   Impaired assets (NZ$m)                                        1,188           -           486
   As a percentage of total assets                                 0.9           -            0.7
   Specific provisions (NZ$m)                                     477            -           137
   As a percentage of impaired assets                             40.2           -           36.3
   Collective provisions (NZ$m)                                   804            -           248
   Overseas banking group:
   Impaired assets                                             AUD5,060m     JPY1,289b    AUD4,210m
   As a percentage of total assets                                1.1            0.8         0.7
   Specific provisions                                         AUD1,526m      JPY284b     AUD1,729m
   As a percentage of impaired assets                            30.2           22.0        44.1
   Collective provisions (NZ$m)                                AUD3,000m      JPY903b     AUD3,225m
Key Information Summaries of overseas incorporated banks

          Citibank    Deutsche Bank     HSBC       JP Morgan     Kookmin      Rabobank    Westpac

           31-Dec        31-Dec         31-Dec       31-Dec       31-Dec       31-Dec       30-Sep

          30-Sep-09     30-Sep-09      30-Sep-09    30-Sep-09    30-Sep-09    30-Sep-09   30-Sep-09
              9             9              9            9            9            9          12

          30-Sep-09     30-Sep-09      30-Jun-09    30-Sep-09    31-Dec-08    31-Dec-08   30-Sep-09
              9             9              6            9           12           12           12



             18            89             38           0.3           5           98          -494
             1.1           3.2            0.9          0.0          1.5          0.1         -0.7


         -USD2,270m    EUR3,649m      HKD24,443m   USD6,543m    KRW1,873b     EUR2,754m   AUD3,446m
            -0.6          -0.1           1.1          0.6          0.8           0.5         0.6




              -             -              -            -            -            -           -
              -             -              -            -            -            -           -
              -             -              -            -            -            -           -

              -             -              -            -            -            -           -
              -             -              -            -            -            -           -
              -             -              -            -            -            -           -


             A+           A+             AA           AA-           A           AAA          AA
             A1           Aa1            Aa1          Aa1           A2          Aaa          Aa1
             A+           AA-            AA           Aa-           ..          AA+          AA-



            15.16         11.7           11.9          9.1          9.92        12.7          8.1
            17.53         13.1           15.9         12.9         13.18        13.0         10.8


            2,584         3,316          4,891         134          419         8,848       73,444
            -16.2         -24.7          -18.5        538.1        -17.6         15.6         3.6

          USD1,187b     EUR1,660b     HKD4,385b    USD1,670b    KRW267,549b   EUR612b     AUD590b
            -1.7          -19.5          6.3         -5.6          19.9         7.3         34.1


              -             -             42            -            -          215          676
              -             -             0.9           -            -           2.4          0.9
              -             -             13            -            -           58          152
              -             -            31.1           -            -          27.0         22.5
              -             -              3            -            -           15          510

         USD36,459m    EUR4,651m      HKD16,141m   USD43,059m   KRW2,558b     EUR6,455m   AUD3,181m
            3.1           0.3             0.4          2.6          1.0           1.1        0.5
             -         EUR1,870m      HKD7,540m    USD22,804m   KRW1,156b     EUR2,357m   AUD1,228m
             -           27.6            46.7         52.9         45.2          36.5       38.6
             -         EUR1,310m      HKD6,785m         -        KRW456b       EUR267m    AUD3,506m
G2 Information extracted from the Key Information Summaries of overseas incorporated banks

                                                    ANZ Group       CBA (NZ)            Citi
Time period covered
Annual balance date                                     30-Sep        30-Jun        31-Dec
Banking group in NZ:
End of period covered by the disclosure statement    31-Dec-09     31-Dec-09      31-Dec-09
Number of months covered by the disclosure                   3             6             12
statements
Overseas banking group:
End of period covered by the disclosure statement    30-Sep-09     31-Dec-09      31-Dec-09

Number of months covered by the disclosure                  12             6             12
statements
Profitability - Banking group in NZ:
Net profit (NZ$m)                                          253            51             21
Net profit for the previous 12 months as a % of             0.2          0.1            0.6
average total assets
Profitability - Overseas banking group:
Net profit                                          AUD2,945m     AUD2,914m     -USD2,794m
Net profit for the previous 12 months as a % of            0.6           0.9           -0.2
average total assets
Peak credit exposure concentrations - Non-
bank counterparties:
10-20%                                                        -             -              -
20-30%                                                        -             -              -
>30%                                                          -             -              -
Peak credit exposure concentrations - Bank-
counterparties:
10-50%                                                        -             -              -
50-100%                                                       -             -              -
>100%                                                         -             -              -
Credit rating(s)
Issued by Standard and Poor's                               AA           AA              A+
Issued by Moody's                                          Aa1          Aa1              A1
Issued by Fitch                                            AA-           AA              A+
Capital adequacy
Tier 1                                                   10.50          9.10          13.16
Capital                                                  13.40         11.60          15.03
Size - Banking group in NZ:
Total assets (NZ$m)                                    124,753        70,554          3,501
% change last 12 months                                    -5.7          -2.9           -8.7
Size - Overseas banking group:
Total assets                                          AUD477b       AUD625b      USD1,161b
% change last 12 months                                   1.40          1.10          -5.40
Asset quality - Banking group in NZ:
Impaired assets (NZ$m)                                   1,336           556               -
As a % of total assets                                      1.1           0.5              -
Specific provisions (NZ$m)                                 566           119               -
As a % of impaired assets                       42.4         33.4             -
Collective provisions (NZ$m)                     804          259             -
Asset quality - Overseas banking group:
Impaired assets                           AUD5,060m    AUD4,823m    USD37,106m
As a % of total assets                           1.1          0.8           3.2
Specific provisions                        AUD1,526    AUD1,822m              -
As a % of impaired assets                       30.2            -             -
Collective provision                      AUD3,000m    AUD3,452m              -

Last updated 29 April 2010
ncorporated banks

            Deutsche Bank         HSBC      JPMorgan        Kookmin          MUFG

                    31-Dec        31-Dec       31-Dec         31-Dec        31-Mar

                31-Dec-09      31-Dec-09    31-Dec-09      31-Dec-09     31-Dec-09
                       12             12           12             12             9


                31-Dec-09      31-Dec-09    31-Dec-09      31-Dec-09     30-Sep-09

                       12            12           12             12              6



                        84            51           2               7              8
                       2.4           0.9           1             1.7            0.8



              EUR4,958m      HKD50,644m    USD8,422m       KRW527b        JPY123b
                     0.3             1.2          0.5          0.2            -0.2




                         -             -            -              -              -
                         -             -            -              -              -
                         -             -            -              -              -



                         -             -            -              -              -
                         -             -            -              -              -
                         -             -            -              -              -

                       A+            AA          AA-              A             A+
                      Aa3           Aa1          Aa1             A2            Aa2
                      AA-            AA          AA-              -              A

                     12.60         12.20         9.50          10.82          9.20
                     13.90         16.10        13.50          14.04         13.72

                     3,099         4,770         171            432          1,390
                       -22         -22.9          50             1.2          30.6

               EUR1,501b      HKD4,342b    USD1,628b    KRW262,168b    JPY162,793b
                  -31.80            1.90        -6.70          -1.60           5.00

                        51            44            -              -              -
                       1.6           0.9            -              -              -
                        12            11            -              -              -
       24           25.5             -           -            -
        -              3             -           -            -

EUR4,903m    HKD16,196m    USD46,245m    KRW2,380b   JPY1,289b
       0.3           0.4           2.8         1.4          0.8
EUR2,029m     HKD8,088m    USD23,766m    KRW1,187b    JPY284b
      28.2          49.9          51.4        49.9           22
EUR1,314m     HKD6,192m              -   KRW2,345b    JPY903b
 Rabobank       Westpac

    31-Dec        30-Sep

 31-Dec-09     31-Dec-09
        12             3


 31-Dec-09     30-Sep-09

        12            12



      114            341
       1.3           -0.5



EUR2,288m     AUD3,446m
       0.4           0.6




          -             -
          -             -
          -             -



          -             -
          -             -
          -             -

      AAA            AA
      Aaa           Aa1
      AA+           AA-

     13.80          9.80
     14.10         11.20

     8,904        72,412
        5.9          -6.8

  EUR608b       AUD590b
     -0.70         34.10

      299            691
       3.4             1
        91           190
      30.4         27.5
        20          564

EUR9,090m    AUD3,181m
       1.5          0.5
EUR3,560m    AUD1,228m
      39.2         38.6
 EUR416m     AUD3,506m
G2 Information extracted from the Key Information Summaries of overseas incorporated banks

                                                    ANZ Group       CBA (NZ)
Time period covered
Annual balance date                                     30-Sep        30-Jun
Banking group in NZ:
End of period covered by the disclosure statement    31-Mar-10     31-Mar-10
Number of months covered by the disclosure                   6             9
statements
Overseas banking group:
End of period covered by the disclosure statement    31-Mar-10     31-Dec-09

Number of months covered by the disclosure                   6            6
statements
Profitability - Banking group in NZ:
Net profit (NZ$m)                                          386          172
Net profit for the previous 12 months as a % of            0.1          0.4
average total assets
Profitability - Overseas banking group:
Net profit                                          AUD1,925m     AUD2,914M
Net profit for the previous 12 months as a % of            0.7           0.8
average total assets
Peak credit exposure concentrations - Non-
bank counterparties:
10≤20%                                                        -            -
20≤30%                                                        -            -
≥30%                                                          -            -
Peak credit exposure concentrations - Bank-
counterparties:
10≤50%                                                        -            -
50≤100%                                                       -            -
≥100%                                                         -            -
Credit rating(s)
Issued by Standard and Poor's                               AA           AA
Issued by Moody's                                          Aa1          Aa1
Issued by Fitch                                            AA-           AA
Capital adequacy
Tier 1                                                    10.7           9.1
Capital                                                    13           11.6
Size - Banking group in NZ:
Total assets (NZ$m)                                    123,504        70,700
% change last 12 months                                    -7.1           -3
Size - Overseas banking group:
Total assets                                          AUD507b       AUD625b
% change last 12 months                                    0.8           1.1
Asset quality - Banking group in NZ:
Impaired assets (NZ$m)                                   1,736          496
As a % of total assets                                     1.4           0.7
Specific provisions (NZ$m)                                 608          101
As a % of impaired assets                                 35.0          29.1
Collective provisions (NZ$m)                               867          235
Asset quality - Overseas banking group:
Impaired assets                                     AUD5,888m     AUD4,823m
As a % of total assets                     1.2          0.8
Specific provisions                 AUD1,593m    AUD1,822m
As a % of impaired assets                 27.1            -
Collective provision                AUD3,037m    AUD3,452m

Last updated 29 July 2010
Source: Key Information Summaries
maries of overseas incorporated banks

                           Citi   Deutsche Bank        HSBC       JPMorgan        Kookmin

                        31-Dec          31-Dec         31-Dec       31-Dec          31-Dec

                     31-Mar-10        31-Mar-10     31-Mar-10     31-Mar-10      31-Mar-10
                             3                3             3             3              3


                     31-Mar-10        31-Mar-10     31-Dec-09     31-Mar-10      31-Dec-09

                             3               3            12             3             12



                             4              -34           13              1              2
                           0.6             -0.1           0.9           1.6            1.8



                    USD2,192m       EUR1,777m     HKD50,644m    USD2,734m        KRW527b
                          -0.2             0.3            1.2          0.5            0.2




                              -               -             -             -              -
                              -               -             -             -              -
                              -               -             -             -              -



                              -               -             -             -              -
                              -               -             -             -              -
                              -               -             -             -              -

                           A+               A+            AA           AA-              A
                           A1              Aa3           Aa1           Aa1             A1
                           A+              AA-            AA           AA-               -

                          13.6             11.2          12.2           10           10.82
                         15.48             11.8          16.1          14.1          14.04

                         2,442            2,893         4,870          193            376
                         -35.6            -32.6           -20          8.4            -7.3

                    USD1,171b        EUR1,670b     HKD4,342b     USD1,675b    KRW262,168b
                          2.4             -20.6          1.9           -0.8           -1.6

                              -             51            45              -              -
                              -             1.8           0.9             -              -
                              -             51            10              -              -
                              -           100.0          21.6             -              -
                              -               -             3             -              -

                   USD35,329m       EUR4,975m     HKD16,196m    USD47,066m      KRW2,380b
3          0.3          0.4           2.8          1.4
-   EUR2,052m    HKD8,088m    USD23,536m    KRW1,187b
-         27.9         49.9            50         49.9
-   EUR1,403m    HKD6,192m              -   KRW2,345b
     MUFG      Rabobank      Westpac

     31-Mar       31-Dec       30-Sep

  31-Mar-10    31-Mar-10    31-Mar-10
         12            3            6


  31-Mar-10    31-Dec-09    31-Mar-10

        12           12             6



        11           11           455
        0.8          0.6          -0.4



   JPY363b    EUR2,288m    AUD2,875m
        0.2          0.4          0.7




          -            -             -
          -            -             -
          -            -             -



          -            -             -
          -            -             -
          -            -             -

        A+          AAA           AA
       Aa2          Aaa          Aa1
         A          AA+           AA

      10.84         13.8          8.6
      15.54         14.1         10.8

      1,573        8,988       72,159
       38.1          4.2          -7.3

JPY165,094b     EUR608b      AUD601b
        2.7         -0.7          1.1

          -         299          759
          -          3.3          1.1
          -          91          233
          -         30.7         30.7
          -          20          597

  JPY1,367b   EUR9,090m    AUD4,068m
     0.8          1.5          0.7
JPY351b    EUR3,560m    AUD1,576m
    25.7         39.2         36.7
JPY619b     EUR416m     AUD3,697m
G2 Information extracted from the Key Information Summaries of overseas incorporated banks

                                                  ANZ Group        CBA (NZ)       Citibank   Deutsche Bank        HSBC       JPMorgan        Kookmin          MUFG      Rabobank       Westpac
Time period covered
Annual balance date                                   30-Sep         30-Jun        31-Dec          31-Dec         31-Dec        31-Dec         31-Dec        31-Mar        31-Dec       30-Sep
Banking group in NZ:
End of period covered by the disclosure            30-Jun-10      30-Jun-10     30-Jun-10        31-Jun-10     30-Jun-10     30-Jun-10      30-Jun-10      30-Jun-10    30-Jun-10    30-Jun-10
Number of months covered by the disclosure                 9             12             6                6             6             6              6              3            6            9
statements
Overseas banking group:
End of period covered by the disclosure            31-Mar-10      30-Jun-10     30-Jun-10        30-Jun-10     30-Jun-10     30-Jun-10      31-Dec-09     31-Mar-10     31-Dec-09    31-Mar-10
statement                                         except * 30-                                                                                                                      except * 30-
                                                      Jun-10                                                                                                                            Jun-10
Number of months covered by the disclosure                   6          12              6               6             6             6             12             12           12               6
statements
Profitability - Banking group in NZ:
Net profit (NZ$m)                                         620           308             8              -33            27             2              3              3           11           646
Net profit for the previous 12 months as a % of          0.30          0.40          0.50            -0.80          1.00          1.80           1.40           0.80         0.70         -0.20
average total assets
Profitability - Overseas banking group:
Net profit                                        AUD1,925m      AUD5,664m     USD4,920m       EUR2,943m     HKD31,368m     USD6,685m       KRW527b        JPY363b     EUR2,288m    AUD2,875m
Net profit for the previous 12 months as a % of         0.70           0.90          0.30            0.30           1.30          0.70          0.20           0.20          0.40         0.70
average total assets
Peak credit exposure concentrations - Non-
bank counterparties:
10-20%                                                       -            -              -               -             -             -              -              -            -              -
20-30%                                                       -            -              -               -             -             -              -              -            -              -
>30%                                                         -            -              -               -             -             -              -              -            -              -
Peak credit exposure concentrations - Bank
counterparties:
10-50%                                                       -            -              -               -             -             -              -              -            -              -
50-100%                                                      -            -              -               -             -             -              -              -            -              -
>100%                                                        -            -              -               -             -             -              -              -            -              -
Credit rating(s)
Issued by Standard and Poor's                             AA            AA             A+              A+            AA           AA-              A             A+          AAA            AA
Issued by Moody's                                        Aa1           Aa1             A1             Aa3           Aa1           Aa1             A1            Aa2          Aaa           Aa1
Issued by Fitch                                          AA-            AA             A+             AA-            AA           AA-               -             A          AA+            AA
Capital adequacy
(as a % of overseas banking group's total risk-
weighted credit exposures)
Tier 1                                                 10.30*          9.20         14.20            11.30         11.70         10.50          10.82         10.84         13.80         8.90*
Capital                                                12.60*         11.50         16.00            11.90         14.70         14.60          14.04         15.54         14.10        10.80*
Size - Banking group in NZ:
Total assets (NZ$m)                                  122,359         69,941         2,627            2,772         5,035           233            521         1,688         9,131        71,324
% change last 12 months                                -3.10          -2.90        -12.40           -28.40         -4.20        100.90          10.90         39.40          2.80         -4.00
Size - Overseas banking group:
Total assets                                        AUD507b        AUD646b     USD1,158b        EUR1,926b     HKD4,635b     UDS1,568b    KRW262,168b    JPY165,095b      EUR608b      AUD601b
% change last 12 months                                 0.80           4.20         -0.70           11.10           6.30         -5.80          -1.60           2.70        -0.70         1.10
Asset quality - Banking group in NZ:
Impaired assets (NZ$m)                                  1,831           506              -             124            45             -              -              -          379           789
As a % of total assets                                   1.50          0.70              -            4.50          0.90             -              -              -         4.20          1.10
Specific provisions (NZ$m)                                629            67              -              62            13             -              -              -          125           247
As a % of impaired assets                               34.40         19.70              -           50.00         29.30             -              -              -        33.10         31.30
Collective provisions (NZ$m)                              854           223              -               -             3             -              -              -           20           565
Asset quality - Overseas banking group:
Impaired assets                                   AUD5,888m      AUD5,216m    USD34,052m       EUR4,954m     HKD16,163m    USD44,810m      KRW2,380b      JPY1,367b    EUR9,090m    AUD4,068m
As a % of total assets                                  1.20           0.80          2.90            0.30           0.30          2.90           1.40           0.80         1.50         0.70
Specific provisions                               AUD1,593m      AUD1,992m              -      EUR2,134m      HKD7,827m    USD22,513m      KRW1,187b        JPY351b    EUR3,560m    AUD1,576m
As a % of impaired assets           27.10            -   -        28.80        48.40   50.20       49.90      25.70      39.20        36.70
Collective provision           AUD3,037m    AUD3,461m    -   EUR1,408m    HKD5,184m        -   KRW2,345b   JPY619b    EUR416m    AUD3,697m

Last updated 28 October 2010
G2 Information extracted from the Key Information Summaries of overseas incorporated banks

                                               ANZ Group       CBA (NZ)        Citibank
Time period covered
Annual balance date                                30-Sep         30-Jun        31-Dec
Banking group in NZ:
End of period covered by the disclosure         30-Sep-10     30-Sep-10      30-Sep-10
Number of months covered by the disclosure             12             3              9
statements
Overseas banking group:
End of period covered by the disclosure         30-Sep-10      30-Jun-10     30-Sep-10
statement                                                    except * 30-
Number of months covered by the disclosure             12        Sep-1012            9
statements
Profitability - Banking group in NZ:
Net profit (NZ$m)                                     867            174           13
Net profit for the previous 12 months as a %          0.7            0.8           0.6
of average total assets
Profitability - Overseas banking group:
Net profit                                     AUD4,505m     AUD5,664m      USD6,419m
Net profit for the previous 12 months as a %          0.9           0.9            0.5
of average total assets
Peak credit exposure concentrations -
Non-bank counterparties:
10≤20%                                                   -              -             -
20≤30%                                                   -              -             -
≥30%                                                     -              -             -
Peak credit exposure concentrations -
Bank-counterparties:
10≤50%                                                   -              -             -
50≤100%                                                  -              -             -
≥100%                                                    -              -             -
Credit rating(s)
Issued by Standard and Poor's                          AA            AA             A+
Issued by Moody's                                     Aa1           Aa1             A1
Issued by Fitch                                       AA-            AA             A+
Capital adequacy
(as a % of overseas banking group's total
risk-weighted credit exposures)
Tier 1                                              10.10           9.9*         16.64
Capital                                             11.90          11.3*         16.52
Size - Banking group in NZ:
Total assets (NZ$m)                               127,029         70,827         2,467
% change last 12 months                                0.6           -0.9          -4.5
Size - Overseas banking group:
Total assets                                     AUD532b       AUD646b      USD1,209b
% change last 12 months                              11.5           4.2           1.9
Asset quality - Banking group in NZ:
Impaired assets (NZ$m)                              2,047           498               -
As a % of total assets                                1.6            0.7              -
Specific provisions (NZ$m)                            616            67               -
As a % of impaired assets                            30.1           19.9              -
Collective provisions (NZ$m)                          804           202               -
Asset quality - Overseas banking group:
Impaired assets                           AUD6,267m    AUD5,216m    USD32,294m
As a % of total assets                           1.2          0.8           2.7
Specific provisions                       AUD1,849m    AUD1,992m              -
As a % of impaired assets                       29.5         40.1             -
Collective provision                      AUD3,153m    AUD3,461m              -

Last updated 27 January 2011
Source: Key Information Summaries
erseas incorporated banks

                Deutsche Bank           HSBC       JPMorgan        Kookmin          MUFG

                      31-Dec            31-Dec        31-Dec         31-Dec        31-Mar

                    30-Sep-10        30-Sep-10     30-Sep-10      30-Sep-10     30-Sep-10
                            9                9             9              9             6


                    30-Sep-10        30-Jun-10     30-Sep-10      31-Dec-09     30-Sep-10

                              9              6            9             12              6



                             -36           39              3              5              6
                            -1.2           1.1           0.9            1.5            0.8



                  EUR1,724m        HKD31,368m     USD9,240m       KRW527b        JPY324b
                         0.2               1.3           0.7           0.2            0.4




                               -              -            -              -              -
                               -              -            -              -              -
                               -              -            -              -              -



                               -              -            -              -              -
                               -              -            -              -              -
                               -              -            -              -              -

                          A+               AA           AA-              A             A+
                         Aa3              Aa1           Aa1             A1            Aa2
                         AA-               AA           AA-               -             A



                        11.50            11.70         10.20          10.82         11.38
                        12.20            14.70         14.30          14.04         15.77

                        3,595            4,599          727            444          1,788
                          8.4              -6.0        437.1           9.5           34.8

                   EUR1,958b        HKD4,635b     USD1,643b    KRW262,168b    JPY161,535b
                         18.0              6.3          -1.6           -1.6           -0.8

                         124               58              -              0              -
                          3.4              1.3             -            0.0              -
                          62               16              -              0              -
                         50.0             28.0             -           42.1              -
                            -                2             -              -              -
EUR4,871m    HKD14,699m    USD43,932m    KRW2,380b    JPY1,441b
       0.2           0.3           2.7          1.4          0.9
EUR2,094m     HKD7,827m    USD22,303m    KRW1,187b     JPY322b
      28.1          53.2          50.9         49.9         22.3
EUR1,563m     HKD5,184m              -   KRW2,345b     JPY900b
 Rabobank      Westpac

    31-Dec       30-Sep

 30-Sep-10    30-Sep-10
         9           12


 31-Dec-09    30-Sep-10

       12            12



       46           763
       0.7          1.1



EUR2,288m    AUD6,346m
       0.4          1.0




         -             -
         -             -
         -             -



         -             -
         -             -
         -             -

      AAA           AA
      Aaa          Aa1
      AA+           AA



     13.80         9.10
     14.10        11.00

     9,399       72,783
       4.8          -0.9

  EUR608b      AUD618b
      -0.7          4.9

      384          890
       4.2          1.2
      116          356
      20.2         40.0
       20          516
EUR9,090m    AUD3,839m
       1.5          0.6
EUR3,560m    AUD1,622m
      39.2         42.3
 EUR416m     AUD3,439m
G2 Information extracted from the Key Information Summaries of overseas incorporated banks


                                                                           ANZ Group
Time period covered
Annual balance date                                                            30-Sep

Banking group in NZ:
End of period covered by the disclosure statement                           31-Dec-10
Number of months covered by the disclosure statements                               3

Overseas banking group:
End of period covered by the disclosure statement                           30-Sep-10
Number of months covered by the disclosure statements                              12

Profitability - Banking group in NZ:
Net profit (NZ$m)                                                                 260
Net profit for the previous 12 months as a % of average total assets               0.7

Profitability - Overseas banking group:
Net profit                                                                 AUD4,505m
Net profit for the previous 12 months as a % of average total assets              0.9

Peak credit exposure concentrations - Non-bank counterparties:
                                                                       1
Equal to 10% but less than 20%                                                       -
                                                                       1
Equal to 20% but less than 30%                                                       -
                                                                       1
Equal to or greater than 30%                                                         -

Peak credit exposure concentrations to bank counterparties:
                                                                       1
Equal to 10% but less than 50%                                                       -
                                                                       1
Equal 50% but less than 100%                                                         -
                                                                       1
Equal to or greater than 100%                                                        -

Credit rating(s)
                                                                       2
Issued by Standard and Poor's                                                      AA
                                                                       2
Issued by Moody's                                                                 Aa1
                                                                       2
Issued by Fitch                                                                   AA-

Capital adequacy
                                                                       3                 4
Tier 1 ratio                                                                    10.4*
                                                                       3
Capital ratio                                                                   11.9*

Size - Banking group in NZ:
Total assets (NZ$m)                                                           124,541
% change last 12 months                                                           -0.2

Size - Overseas banking group:
Total assets                                                                 AUD532b
% change last 12 months                                                          11.5

Asset quality - Banking group in NZ:
Impaired assets (NZ$m)                                                          2,057
As a % of total assets                                                             1.7
Specific provisions (NZ$m)                                                        602
As a % of impaired assets                                                        29.3
Collective provisions (NZ$m)                                                      750

Asset quality - Overseas banking group:
Impaired assets                                                                AUD6,267m
As a % of total assets                                                                1.2
Specific provisions                                                            AUD1,849m
As a % of impaired assets                                                            29.5
Collective provision                                                           AUD3,153m


 1   Number in relation to group equity
 2   On NZ$ long-term senior unsecured obligations in NZ
 3   As a % of overseas banking group's total risk-weighted credit exposures
 4   Capital adequacy ratios marked with a * are as at 31 December 2010

Last updated 27 April 2011
Source: Key Information Summaries
aries of overseas incorporated banks


                    CBA (NZ)           Citibank   Deutsche Bank         HSBC        JPMorgan

                       30-Jun          31-Dec           31-Dec          31-Dec         31-Dec


                    31-Dec-10    31-Dec-2010          31-Dec-10      31-Dec-10      31-Dec-10
                            6             12                 12             12             12


                    31-Dec-10      31-Dec-10          31-Dec-10      31-Dec-10      31-Dec-10
                            6             12                 12             12             12


                          322              16               -54            56               9
                           0.5             0.6             -1.7            1.1            2.9


                  AUD3,052m      USD7,904m          EUR2,330m      HKD63,277m     USD11,826m
                         0.5            0.7                0.1             1.3            0.7


                             -                -                -              -             -
                             -                -                -              -             -
                             -                -                -              -             -


                             -                -                -              -             -
                             -                -                -              -             -
                             -                -                -              -             -


                          AA                A+              A+             AA            AA-
                         Aa1                A1             Aa3            Aa1            Aa1
                          AA                A+             AA-             AA            AA-


                          9.7            15.17             12.3           11.7            9.5
                         11.5            17.06             14.1           14.7           13.5


                       69,805            2,682            3,282          5,021           474
                          -1.1           -23.4               5.9            5.3         185.8


                    AUD650b       USD1,154b          EUR1,906b      HKD5,040b      USD1,632b
                         3.9            -0.6                27            15.6            0.2


                         513                  -             73             72               -
                          0.7                 -             2.2            1.4              -
                          87                  -             37             18               -
                         23.1                 -             51            25.6              -
                         192                  -               -              2              -
AUD5,184m    USD30,217m    EUR3,552m    HKD26,281m    USD43,217m
       0.8           2.6          0.2           0.3           2.7
AUD2,169m              -   EUR1,643m     HKD8,259m    USD22,435m
         -             -         26.2          50.7          51.9
AUD3,327m              -   EUR1,653m     HKD4,735m              -
    Kookmin          MUFG      Rabobank       Westpac

      31-Dec        31-Mar        31-Dec       30-Sep


   31-Dec-10     31-Dec-10     31-Dec-10     31-Dec-10
          12             9            12             3


   31-Dec-09     30-Sep-10     31-Dec-10     30-Sep-10
          12             6            12            12


           6            10           84            144
         1.4            0.8          0.9            0.8


   KRW527b        JPY324b     EUR2,772M     AUD6,346m
        0.2            0.4           0.4            1


           -              -             -             -
           -              -             -             -
           -              -             -             -


           -              -             -             -
           -              -             -             -
           -              -             -             -


          A             A+          AAA            AA
         A1            Aa2          Aaa           Aa1
          -              A          AA+            AA


       10.82         11.38          15.7          9.2*
       14.04         15.77          16.3         10.5*


        439          1,015         9,499        72,827
         1.7          37.7            6.1           0.6


KRW262,168b    JPY161,535b      EUR653b      AUD618b
        -1.6           -0.8          7.4          4.9


          -               -         391           809
          -               -          4.1           1.1
          -               -         116           361
        100               -         29.8          44.6
          -               -          19           514
KRW2,380b    JPY1,441b    EUR9,284m    AUD3,839m
       1.4          0.9          1.4          0.6
KRW1,187b     JPY322b     EUR3,101m    AUD1,622m
      49.9         22.3         33.4         42.3
KRW2,345b     JPY900b      EUR325m     AUD3,439m
G2 Key information on overseas incorporated banks

                                                                                   ANZG1             CBA-NZ1        CITI-BK1        DBNZ          HSBC1          JPMC          KOOK1           MUFG     RABO-NED        WPAC1
Time period covered
Annual balance date                                                                30-Sep              30-Jun         31-Dec        31-Dec        31-Dec         31-Dec         31-Dec        31-Mar        31-Dec       30-Sep

Banking group in NZ:
End of period covered by the disclosure statement                               31-Mar-11           31-Mar-11      31-Mar-11     31-Mar-11     31-Mar-11      31-Mar-11      31-Mar-11     31-Mar-11     31-Mar-11    31-Mar-11
Number of months covered by the disclosure                                              6                   9              3             3             3              3              3            12             3            6

Overseas banking group:
End of period covered by the disclosure statement                               31-Mar-11           31-Dec-10      31-Mar-11     31-Mar-11     31-Dec-10      31-Mar-11      31-Dec-10     31-Mar-11     31-Dec-10    31-Mar-11
Number of months covered by the disclosure                                              6                   6              3             3            12              3             12            12            12            6

Profitability - Banking group in NZ:
Net profit (NZ$m)                                                                    478                  441              6            28            12              4              2             13          18          279
Net profit for the previous 12 months as a % of                                      0.8                  0.8            0.7           0.2           1.1            2.8            1.3            0.7           1          0.8

Profitability - Overseas banking group:
Net profit                                                                     AUD2,669m           AUD3,052m      USD1,477m     EUR2,130m    HDK63,277m      USD2,701m        KRW88b        JPY720b     EUR2,772m    AUD3,961m
Net profit for the previous 12 months as a % of                                        1                  0.9            0.6           0.3           1.3            0.7            -            0.4            0.4          1.2
average total assets

Credit rating(s)
                                                                    2
Issued by Standard and Poor's                                                         AA                  AA             A+            A+            AA            AA-              A             A+          AAA           AA
                                                                    2
Issued by Moody's                                                                    Aa2                 Aa2             A1           Aa3           Aa1            Aa1             A1            Aa2          Aaa          Aa2
                                                                    2
Issued by Fitch                                                                      AA-                  AA             A+           AA-            AA            AA-               -             A          AA+           AA

Capital adequacy
                                                                    3
Tier 1 ratio                                                                         10.5                 9.7          15.23          13.4          11.7            9.5          10.89          11.42         15.7          9.5
                                                                    3
Capital ratio                                                                        12.1                11.5          17.11          14.9          14.7           13.4          13.44          15.82         16.3           11

Size - Banking group in NZ:
Total assets (NZ$m)                                                               125,059              69,091          2,367         3,819         4,697            742            443          2,055        9,636       74,564
% change last 12 months                                                               1.3                 -2.3           -3.1           32           -3.5         305.5           17.8           30.7          7.2          3.3

Size - Overseas banking group:
Total assets                                                                     AUD537b             AUD650b      USD1,161b     EUR1,842b     HKD5,040b      USD1,723b    KRW262,008b    JPY163,123b      EUR653b      AUD621b
% change last 12 months                                                              6.1                 3.9            -0.8         10.3          15.6            2.9            -0.1           -1.2         7.4          3.5

Asset quality - Banking group in NZ:
Impaired assets (NZ$m)                                                              2,127                 361               -            -            67              -             -               -          400        1,018
As a % of total assets                                                                1.7                 0.5               -            -           1.4              -             -               -          4.2          1.4
Specific provisions (NZ$m)                                                            552                  92               -            -            18              -             -               -          117          430
As a % of impaired assets                                                              30                25.5               -            -          27.2              -           100               -         28.2         42.2
Collective provisions (NZ$m)                                                          738                 244               -            -             2              -             -               -           19          417

                                                                    4
Asset quality - Overseas banking group:
Impaired assets                                                                AUD6,221m           AUD4,969m*    USD26,155m     EUR3,712m    HKD15,014m     USD40,942m      KRW3,657b      JPY1,457b    EUR9,284m    AUD4,251m
As a % of total assets                                                                1.2                 0.8            2.3           0.2           0.3            2.3           1.8            0.9           1.4          0.7
Specific provisions                                                            AUD1,717m           AUD1,992m*              -    EUR1,621m     HKD8,259m     USD21,780m      KRW1,789b       JPY258b     EUR3,101m    AUD1,780m
As a % of impaired assets                                                            27.6                40.1              -          24.3          50.7           54.4          48.9           17.7          33.4         41.9
Collective provision                                                           AUD3,177m           AUD3,461m*              -    EUR1,741m     HKD4,735m               -     KRW2,493b       JPY671b      EUR325m     AUD3,188m


 1   These banks published 31 March 2011 data on the basis of the revised 2011 Orders in Council
 2   On NZ$ long-term senior unsecured obligations in NZ
 3   As a % of overseas banking group's total risk-weighted credit exposures
 4   Asset quality data marked with a * are as at 30 June 2010

Last updated 27 July 2011
Source: Disclosure Statements
 G2 Information extracted from the Key Information Summaries of overseas incorporated banks

                                                                                                                                                                                       1                                 1
                                                                                       ANZG                CBA-NZ                 CITI-BK        DBNZ          HSBC           JPMC               KOOK           MUFG         RABO-NED         WPAC
 Time period covered
 Annual balance date                                                                   30-Sep                30-Jun                31-Dec        31-Dec        31-Dec         31-Dec             31-Dec        31-Mar            31-Dec       30-Sep

 Banking group in NZ:
 End of period covered by the disclosure statement                                  30-Jun-11            30-Jun-11              30-Jun-11     30-Jun-11     30-Jun-11      30-Jun-11          30-Jun-11      30-Jun-11        30-Jun-11    30-Jun-11
 Number of months covered by the disclosure                                                 9                   12                      6             6             6              6                  6              3                6            9
 statements

 Overseas banking group:
 End of period covered by the disclosure statement                                  31-Mar-11            30-Jun-11              30-Jun-11     30-Jun-11     30-Jun-11      30-Jun-11          31-Dec-10     31-Mar-11         31-Dec-10    31-Mar-11
 Number of months covered by the disclosure                                                 6                   12                      6             6             6              6                 12            12                12            6

 Profitability - Banking group in NZ:
 Net profit (NZ$m)                                                                       735                     600                    8            14            24             14                  2              3               37         446
 Net profit for the previous 12 months as a % of                                         0.8                     0.8                  0.6          -0.2           1.1            3.9                1.1            0.7              1.2         0.8
 average total assets

 Profitability - Overseas banking group:
 Net profit                                                                        AUD2,669m          AUD6,394m                USD1,863m     EUR3,363m    HDK37,337m      USD5,584m           KRW100b        JPY720b         EUR2,772m    AUD3,961m
 Net profit for the previous 12 months as a % of                                          1.0                1.0                      0.4           0.3           1.4            0.6                -            0.4                0.4          1.2
 average total assets

 Credit rating(s)
                                                                       2
 Issued by Standard and Poor's                                                            AA                     AA                   A+            A+            AA            AA-                  A             A+              AAA           AA
                                                                       2
 Issued by Moody's                                                                       Aa2                    Aa2                   A1           Aa3           Aa1            Aa1                 A1            Aa2              Aaa          Aa2
                                                                       2
 Issued by Fitch                                                                         AA-                     AA                   A+           AA-            AA            AA-                   -             A              AA+           AA

                                                                       4
 Capital adequacy
                                                                       3
 Tier 1 ratio                                                                           10.6*                 10.00                 14.18         14.00         11.70           9.30              10.89          11.42            15.70         9.6*
                                                                       3
 Capital ratio                                                                          11.8*                  11.7                 16.05          15.6          14.5           13.1              13.44          15.82            16.30        11.0*

 Size - Banking group in NZ:
 Total assets (NZ$m)                                                                  125,289                68,674                 2,433         2,890         4,685           897                 424          2,108           10,151       75,416
 % change last 12 months                                                                  2.4                   -1.8                  -7.4          4.3           -6.9          296               -18.7           24.9             11.2          5.7

 Size - Overseas banking group:
 Total assets                                                                        AUD537b             AUD668b               USD1,216b     EUR1,850b     HKD5,497b      USD1,791b        KRW254,862b    JPY163,123b          EUR653b      AUD621b
 % change last 12 months                                                                 6.1                 3.3                     5.0           -3.9         18.6           14.2                -0.1           -1.2             7.4          3.5

 Asset quality - Banking group in NZ:
 Impaired assets (NZ$m)                                                                 1,906                    355                     -            9            67              -                  1              -              388          941
 As a % of total assets                                                                   1.5                    0.5                     -          0.3           1.4              -                0.2              -              3.8          1.2
 Specific provisions (NZ$m)                                                               528                     84                     -            2            18              -                  0              -              120          310
 As a % of impaired assets                                                               27.7                   23.7                     -         22.2          26.5              -               31.6              -             30.9         32.9
 Collective provisions (NZ$m)                                                             697                    185                     -            -             2              -                  -              -               21          423

 Asset quality - Overseas banking group:
 Impaired assets                                                                   AUD6,221m          AUD5,297m               USD22,343m     EUR4,494m    HDK13,107m     USD37,081m          KRW3,520b      JPY1,457b        EUR9,088m    AUD4,251m
 As a % of total assets                                                                   1.2                0.8                      1.8           0.2           0.2              2               1.4            0.9               1.4          0.7
 Specific provisions                                                               AUD1,717m          AUD2,125m                         -    EUR1.633m     HKD7,063m     USD21,446m          KRW1,737b       JPY258b         EUR3,101m    AUD1,780m
 As a % of impaired assets                                                               27.6               40.1                        -          36.3          53.9           57.8              49.3           17.7              33.4         41.9
 Collective provision                                                              AUD3,177m          AUD3,043m                         -    EUR1,857m     HDK4,515m               -         KRW4,227b       JPY671b          EUR325m     AUD3,188m

 *       Refers to Overseas banking group reporting date
     1   With the exception of the JPMorgan and MUFG all banks published on the basis of the revised 2011 Orders in Council
     2   On NZ$ long-term senior unsecured obligations in NZ
     3   As a % of overseas banking group's total risk-weighted credit exposures
     4   Capital adequacy ratios marked with a * are as at 30 June 2011

 Last updated 18 October 2011
 Source: Disclosure statements

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