| Dear Member, We're proud to share that SBS Bank has been named the Canstar Bank of the Year First Home Buyers 2026! This award recognises the financial institution that provides the strongest combination of products, services and support for first home buyers in New Zealand. We're honoured to receive this recognition, and we'd like to take the opportunity to thank members like you. As a member-owned bank, the funds entrusted to us helps support lending to New Zealanders working towards home ownership. Every day, you help us support more Kiwis to achieve their dream of owning a home. Bruce Pitcher, Canstar NZ Editor said, "Over the past five years, SBS Bank has been a clear leader in the field, thanks to its great FirstHome Combo, which due to its sharper rates and FHB exclusives, has made moving into a first home more affordable for thousands of young Kiwis." Helping Kiwis find a place to call home has been at the heart of SBS Bank for more than 157 years, and we're proud to continue that legacy with the support of our members. Thank you for being part of the SBS Bank story. Kind Regards, Mark McLean Group Chief Executive Officer |