30 September 2016

Company Announcements Office ASX Limited

20 Bridge Street

SYDNEY NSW 2000

2016 Shareholder Review - nib holdings limited

nib holdings limited Head Office

22 Honeysuckle Drive

Newcastle NSW 2300

abn 51 125 633 856

t 13 14 63 f 02 4925 1999

e nib@nib.com.au

w nib.com.au

Please find attached nib's 2016 Shareholder Review which was distributed to nib shareholders today.

The Shareholder Review can also be viewed online at nib.com.au/shareholders.

Regards,

Michelle McPherson Chief Financial Officer & Company Secretary

For further information please contact:

Matthew Neat

Head of Corporate Affairs & Investor Relations T: +61 (0)2 4914 1777

M: +61 (0)411 700 006

E: m.neat@nib.com.au

SHAREHOLDER REVIEW 2016

CONTENTS

Group Performance Highlights 2

Chairman's Report 4

Managing Director's Report 6

Year in Review

Australian Residents Health Insurance 8

nib New Zealand 12

International and New Business 14

Profitability and Shareholder Returns 16

Our Community 18

Board of Directors 20

Board and Executive Remuneration 24

Financial Summary

Consolidated Income Statement 26

Consolidated Balance Sheet 26

Consolidated Statement of Cash Flows 27

Five-Year Performance Summary 28

Information for Shareholders 29

WE EXIST TO HELP PEOPLE ACCESS AND AFFORD HEALTHCARE WHEN AND WHERE NEEDED.

OUR VISION IS TO BE A LEADING FINANCIER AND

FACILITATOR OF HEALTHCARE WITH A REPUTATION FOR

INNOVATIVE PRODUCTS, VALUE FOR MONE Y, OUTSTANDING CUSTOMER SERVICE, BEING A GOOD CORPORATE CITIZEN AND DELIVERING STRONG SHAREHOLDER RETURNS.

nib holdings limited

sh a reh olde r revi.e w 2 016

NIB Holdings Limited published this content on 30 September 2016 and is solely responsible for the information contained herein.
Distributed by Public, unedited and unaltered, on 29 September 2016 22:50:04 UTC.

Original documenthttps://www.nib.com.au/shareholders/file/ASX Announcement_SR.pdf

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