RaboTalk – Growing our future

Rabobank NZ

RaboTalk’s Growing our future is all about equipping New Zealand’s farmers and growers with the knowledge to support resilient farming systems for the future. Using insights gathered from Aotearoa and across the world, Rabobank’s team of experts and connections offer up informed opinions and healthy discussion on the future of farming, and how to adapt farm strategies and systems to ensure our farms thrive in a fast-changing world. Disclaimer: This podcast has been prepared by Rabobank New Zealand Limited and Coöperatieve Rabobank U.A. (New Zealand Branch) (Incorporated in the Netherlands) (collectively referred to as ‘Rabobank New Zealand’). The information and opinions contained in this publication have been compiled or arrived at from sources believed to be reliable, but no representation or warranty, express or implied, is made as to their accuracy, completeness or correctness. This publication is for information purposes only and is not, and should not be construed as, an offer or a commitment by Rabobank New Zealand to enter into a transaction. This information is not professional advice and has not been prepared to be used as the basis for, and should not be used as the basis for, any financial or strategic decisions. This information is general in nature only and does not take into account an individual’s personal circumstances. All opinions expressed in this publication are subject to change without notice. Rabobank New Zealand does not accept any liability whatsoever for any direct, indirect, consequential or other loss or damage howsoever arising from any use of this publication or its contents or otherwise arising in connection therewith. This publication must not be reproduced or distributed without the prior written consent of Rabobank New Zealand. © 2026 Rabobank New Zealand Limited and Coöperatieve Rabobank U.A. (New Zealand Branch) (Incorporated in the Netherlands). All Rights Reserved.

  1. 1 day ago

    Managing environment risks not regulations with Matt Highway

    In this episode of RaboTalk, Growing Our Future, Blake Holgate talks with Matt Highway, Chief Executive of the New Zealand Association of Resource Management (NZARM) who shares practical advice on managing environmental challenges without getting caught up in changing regulations. He explains why focusing on outcomes, tackling your biggest on-farm risks, and connecting with local catchment groups can deliver better results for both the environment and your bottom line. Like what you’ve heard? Follow our podcast for more great content. Show notes: In this episode, Blake speaks with Matt Highway, Chief Executive of the New Zealand Association of Resource Management (NZARM), to explore sector capability and strategic land management. With over 25 years of experience across regional councils, the dairy sector, and industry consultancy, Matt highlights how the profession has evolved from its early roots in soil conservation to a modern focus on integrated catchment management and neutral, nature-based business solutions. The conversation focuses on how land managers can navigate regulatory uncertainty by concentrating entirely on environmental outcomes rather than changing compliance policies. By identifying on-farm risks and leveraging collective community frameworks, Matt explains how farmers can utilise emerging technologies and localised networks to make pragmatic decisions that protect both their landscapes and their business profitability. Discussion Topics Building Sector Capability Established in 1953, NZARM has shifted its modern strategy away from political advocacy to focus completely on capability building and professional connection. Matt highlights their collaborative capability project, which features an online skill mapping database that allows land professionals, catchment coordinators, and organisations to track environmental skill sets and connect expertise across regions. Accessing Cheap Data over Silver Bullets While technological advancements like AI and weekly satellite passes provide massive, low-cost datasets, the primary challenge remains applying these tools practically on the ground. Matt warns against chasing silver bullets, explaining that popular edge of field widgets like constructive wetlands and detention bunds must be deployed selectively within the right landscape context to avoid major financial inefficiencies. A Structured Approach to Farm Risk When farmers look to step up their environmental performance, Matt advises them to treat the process like managing financial risk. Landowners should systematically evaluate which areas of their property are most vulnerable to flooding, drought, or critical source area runoff. Prioritising action means choosing the single biggest risk that can be mitigated for the lowest relative investment cost. Context-Driven Measuring and Monitoring Water quality testing is a slow brew that can take five years to deliver meaningful trends. Rather than taking on heavy individual monitoring costs, producers should ensure their farm plans align with their wider catchment context. If a downstream lake is driven by phosphorus, targeted investments on the farm floor should address that specific asset rather than tracking irrelevant metrics. Outcomes Over Policy Announcements Although environmental regulations have experienced significant political shifts, the fundamental goals of land management have not changed. Healthy soils, clean drinking water, and profitable businesses remain the constant baseline. By scenario testing strategies against these permanent objectives, farmers can insulate their operations against future policy cycles. The Power of Catchment Collectives Reflecting on regional networks, Matt notes that effective land management relies far more on community cohesion than on pure science. Regionally focused catchment collectives have grown into powerful, supportive entities that build vast local databases. These groups provide a safe space for peer learning, channel funding, and serve as a collective voice for isolated producers. Final Advice: Connect for a Higher Return Matt encourages farmers to look past technological widgets over the next twelve months and focus entirely on connecting with their local catchment group. Joining a collective offers a high return on investment by providing direct access to shared expertise, plant funding, and regulatory updates. Aligning with a community framework allows producers to target exciting, tangible goals, like restoring local native species, while naturally fulfilling their wider environmental obligations.

    29 min

  2. 23 June

    Catchment Catch-Ups with CCA Director, Alexis Wadworth from the Makarewa Headwaters Catchment Group

    In this second episode of RaboTalk Growing our Future’s new Catchment Catch-Ups series, host Blake Holgate speaks with Alexis Wadworth a central Southland farmer and director for both Thriving Southland and Catchment Communities Aotearoa. Their conversation focuses on how the Makarewa Headwaters Catchment Group shifted from a baseline study of water quality to tackling a massive wild pest problem. Alexis shares the economic and environmental realities of managing over 7,500 wild deer and pigs across their 42,000 hectare catchment, demonstrating how robust, farmer-led data can open doors to funding, attracting expert advice and engaging government agencies. Like what you’ve heard? Follow our podcast for more great content. Show notes: The Makarewa Headwaters Origin Formed in 2019 during a period of intense regulatory pressure around winter grazing and water quality, the group began as a way for local farmers to band together and clear the muddy waters of compliance. Supported by Thriving Southland, their core objective has always been to leave a swimmable, drinkable waterway that future generations can be proud of. Overcoming the Administrative Burden Alexis highlights that asking busy, volunteer farmers to run community organisations is a major hurdle. Accessing dedicated support, like a catchment coordinator from Thriving Southland, is fundamental. It removes the administrative weight, allowing farmers to focus on strategic direction rather than getting bogged down in the day-to-day paperwork. The Shift to Pest Management While the group started with water quality science through their LUCI-Ag project, testing quickly revealed a surprising risk: the degradation of the native bush at the headwaters. In 2023, they launched a revival project to understand, control, and monitor the severe pressure caused by wild deer and pigs. The 2 Million Dollar Annual Cost A comprehensive survey combining farmer feedback, ecological assessments, and aerial thermal imaging revealed over 7,500 wild animals living in the surveyed area. Alexis notes the economic impact was calculated at over 2 million dollars annually due to destroyed winter crops, pasture rooting, weed tracking, and the fact that the pest population consumed enough feed to carry an additional 5,000 ewes. Exclusion Plots and Regina Generation To combat the snowballing pest numbers, landowners are working with commercial venison harvesters and opening gates to recreational hunters. To measure the exact impact of these efforts, the group is establishing 10 exclusion plots across varying forest canopies to see how quickly the forest floor can regenerate when all browsing pests are removed. The Power of Ground-Up Data Alexis admits that taking time to study and package a formal report went against the farming instinct to just get out and do the doing. However, having a polished, fact-based document has been an absolute game changer for unlocking funding, attracting expert advice, and engaging government agencies. Final Advice: Voice Your Hesitations Alexis encourages anyone sitting on the fence to get involved. If you have reservations about time or direction, those exact hesitations are what the group needs to hear to shape its focus. Progress is rarely linear when driven from the ground up, but the shared knowledge gained along the way is just as valuable as the end goal.

    29 min

  3. 12 June

    Moving the Middle: How to enable widespread voluntary change on-farm with Suzie Greenhalgh

    In this episode of RaboTalk Growing our Future episode, host Blake Holgate speaks with Suzie Greenhalgh, Project Lead for the Moving the Middle programme, a research project aimed at giving farmers the confidence to voluntarily improve their environmental performance on farms. Suzie discusses the findings from this multi-partner research project, which launched in 2020, to understand how to support the large group of farmers in the middle, who sit between the early adopters and those resistant to change. By analysing the complex network of pressures surrounding farmers, Suzie explains how industry bodies and policy makers can adjust their approach to support farmers and growers who want to make positive change but often feel constrained by competing pressures. Suzie challenges farmers to identify one positive environmental action they would not regret doing even if compliance rules changed tomorrow. Like what you’ve heard? Follow our podcast for more great content. Show Notes The Moving the Middle Concept The program aims to give the majority of farmers the confidence to voluntarily improve their environmental performance. Suzie explains that many producers want to make positive changes but feel disempowered by competing industry pressures. The research focuses on how to intervene in the surrounding system to give farmers the headspace needed to move forward. A Systems Approach to Change Launched during high regulatory uncertainty in 2020, the program covers four deep pressure points identified by farmers: policy interventions, debt and investment practices, trusted agents of change, and community narratives. An overarching systems piece ensures researchers capture how these distinct areas intersect to impact daily decision making. Moving Beyond Cookie-Cutter Extension New Zealand has a habit of over-relying on single extension models, like flooding the sector with demonstration field days when they become popular. Suzie emphasises that a practice that is simple for one farm system can be incredibly difficult for another. Extension must be tailored to a farmer’s specific context rather than assuming non-adoption is simply a lack of willingness. Insights from Māori Agribusiness The research highlights that Māori agribusiness cannot be treated as a single block. By mapping the distinct stages of the journey from emerging to thriving, the program identifies the exact resources needed at different times. Collaborative work on 100-year farm plans demonstrated how long-term thinking completely shifts short-term operational decisions. Shallow vs. Deep System Levers The sector naturally defaults to shallow system interventions, like tweaking an advisory tool, because they offer quick wins. However, transformational change happens deeper in the system. The program works with schools, next-generation change makers, and banks to develop deep levers, such as cheap loans for on-farm environmental trials. Shifting from Policy to Farmer-Led Action Looking ahead, Suzie envisions a sector where environmental progress is driven entirely by farmers rather than policy. For this to happen, technology providers and researchers must ensure new innovations actually fit existing farm systems, rather than blaming producers when uptake is slow. Final Advice: Make No-Regrets Decisions Suzie challenges farmers to step back from the daily operational noise and give themselves the luxury of long-term planning. To regain agency in an uncertain regulatory environment, producers should identify one positive environmental action that they would not regret doing even if compliance rules changed tomorrow. Starting with a single, secure choice is the best way to build lasting confidence.

    40 min

  4. 26 May

    Catchment Catch-Ups with Richard Kyte from Thriving Southland

    In the first episode of RaboTalk Growing our Future’s new Catchment Catch-Ups series, host Blake Holgate sits down with Thriving Southland Project Lead, Richard Kyte to explore how farmer-led catchment groups are creating practical, locally driven solutions for some of the biggest challenges facing New Zealand farming today. From improving water quality and managing sediment, to building climate resilience and strengthening farm profitability, Richard shares why localised science, peer-to-peer learning and voluntary community action are so powerful. Featuring insights from New Zealand’s largest catchment collective, this episode is a valuable listen for farmers and growers wanting real-world ideas, optimism and inspiration from people making a difference on the ground. Like what you’ve heard? Follow our podcast for more great content. Show Notes: From the Lake District to Southland Collective Richard shares his background moving from mixed farming in the UK to the New Zealand dairy sector and his extension work with DairyNZ. Now leading Thriving Southland, he helps provide 37 independent catchment groups with the information and funding resources they need to own and drive their own environmental projects. The Power of Localised Science Generic environmental rules often miss the mark, so Thriving Southland focuses on sub-catchments. Richard explains how using radiometric data to understand specific soil and water dynamics helped one community identify mobile soils as the root cause of an E. coli issue, allowing them to precisely target their sediment management and maximise their return on investment. Integrating Water Quality and Climate Resilience While greenhouse gas emissions can feel like a harder sell on a day-to-day basis, Richard emphasises that climate resilience, farm profitability, and water quality are completely interlinked. Projects like Carbon Neutral Dipton allow sheep, beef, and dairy farmers to collaborate on emissions mitigations and land use optimisation without separate legislative mandates. The Extension Model and Peer Learning The historic success of New Zealand agriculture relies on farmers talking to farmers. Catchment groups foster this extension model, allowing early adopters to pave the way while others observe and catch up. This peer-to-peer approach builds genuine confidence and drives world leading change at a manageable pace. The Value of a Cheese Roll Building wide community engagement is less about rigid dictation and more about social connection. Richard notes that the real wins often happen over a cup of tea and a cheese roll, providing a vital social wellness forum for isolated farmers to realise they are not facing seasonal or regulatory challenges alone. Final Advice: Look Back to Move Forward Richard encourages any farmer curious about their local catchment group to simply put their head in the door without fear of a heavy commitment. True progress is voluntary and takes time. By reflecting on how far practices like winter grazing have transformed the Southland landscape over the last decade, farmers can find the optimism needed to face today's challenges.

    30 min

  5. 12 May

    Is the time for on-farm solar now? with Chris McArthur

    With power prices and weather disruptions putting new pressure on farm operations, this RaboTalk Growing our Future episode explores practical ways New Zealand farmers and growers can build energy resilience while improving the bottom line. Blake Holgate is joined by EECA’s Chris McArthur to discuss what the Solar on Farms programme is seeing across demonstration farms nationwide, including how today’s solar stacks up on cost and performance. Like what you’ve heard? Follow our podcast for more great content. Show Notes: EECA and the Energy Transition Chris explains the role of EECA in promoting energy efficiency and renewables. Growing up on a sheep and beef farm, he has seen solar technology become cheaper and more powerful, making it a practical choice for modern agriculture. The organisation focuses on providing impartial information to help farmers make strategic decisions. The Solar on Farms Programme To provide producers with up-to-date data, EECA has established 37 demonstration farms across various sectors and regions. These farms monitor performance and share the unvarnished truth about the installation process, helping other growers understand the benefits and barriers without the typical marketing noise. Building Resilience with Batteries While solar saves money from day one, batteries provide critical resilience. Chris notes that a battery can prevent the chaos of power cuts during milking and highlights a 2025 Southland case study where a farm continued operating through major storms. While the upfront cost is higher, the ability to milk through an outage is a major risk mitigant. Sizing and System Costs Investment levels vary significantly based on farm type. Systems range from small 10,000 dollar setups for sheep and beef units to large 500,000 dollar investments for high-use dairy and irrigation sheds. The goal is to right-size the system to match on-farm usage, as exporting excess power to the grid often yields lower financial returns. Avoiding Common Pitfalls Farmers must consider dust management on panels, especially near unsealed roads, as it can significantly affect output. Another key consideration is the complexity of multiple electricity connections (ICPs). Chris recommends ensuring solar is installed on the meter with the highest load to maximise the return on investment. The Future: Electrification by 2035 Looking ahead, Chris predicts a major shift toward the electrification of farm vehicles and heavy machinery. This transition will reduce reliance on long, volatile supply chains for liquid fuels, replacing them with locally produced on-farm energy that is visualised and managed through smart apps. Final Advice: Start Saving Today Chris encourages farmers not to wait for the next big technological leap. Solar technology is already at a compelling price point, and as soon as a system is switched on, it begins paying for itself. The best time to start locking in energy costs and building operational resilience is now.

    21 min

  6. 28 Apr

    How Pāmu is balancing profit and climate adaptation with Sam Bridgman

    In this RaboTalk Growing our Future episode, host Katie Rodwell speaks with Sam Bridgman, Head of Sustainability at Pāmu, about how New Zealand’s largest farming corporate is making sustainability practical and profitable across 112 farms. Sam outlines the five key drivers shaping Pāmu’s approach and shares how strategy is being turned into on-farm action through tailored farm environment plans and regional sustainability support. In this episode, you’ll hear real examples of building income resilience through diversification and how Pāmu is mapping climate risks for every property out to 2050 and sharing these learnings with the wider sector. Like what you’ve heard? Follow our podcast for more great content. Show Notes: The Pāmu Mandate and Purpose As a state owned enterprise, Pāmu must be a successful business that is profitable, efficient, and socially responsible. Sam explains their purpose: leading the delivery of sustainable agricultural solutions for future generations across a diverse portfolio including sheep, beef, dairy, deer, forestry, and horticulture. Five Drivers of Sustainability Sam identifies the key buckets driving their work: Market Requirements: Meeting low emission and nature-based standards for international customers.Compliance: Meeting domestic policy and local regulatory requirements.Risk and Opportunity: Accessing cheaper capital and managing long-term climate risks.Environmental Stewardship: Prioritising pest control and biodiversity protection.Brand and Reputation: Maintaining social license within rural communities. Turning Strategy into Operational Action Pāmu uses a regional model where sustainability advisors work alongside farm teams to implement national goals locally. Every farm operates under a tailored farm environment plan, providing a consistent baseline for regulatory and market assurance. Diversification and Income Resilience Strategic land use changes, such as transitioning a Northland property from dairy to avocados and berries, help stabilise income. These decisions are based on long-term climate scenarios and the opportunity to participate in high-value, diversified markets. Climate Adaptation and Future Mapping Pāmu has developed climate outlooks for every property through to 2050. These reports identify vulnerabilities like drought or extreme rainfall. This data is being shared with the wider sector via MPI to help all New Zealand farmers prepare for increasing volatility. Collaboration and Research Trials Through the St Kilda Feed Efficiency site and partnerships with AgriZero, Pāmu tests methane genetics and new emission-reduction tools. This acts as a bridge between lab research and commercial reality, getting practical solutions into farmers' hands sooner. Future Trends: Nature as the Value Add Climate resilience is becoming essential for accessing capital and insurance. Sam believes that while carbon is now the baseline, nature-positive credentials offer the next big opportunity for New Zealand to differentiate its products globally. Final Advice: The Nature Opportunity Sam’s message is one of practical optimism: sustainability and efficiency go hand in hand. By focusing on climate resilience and nature-based data, farmers can turn environmental challenges into a competitive advantage. Carbon is the minimum standard, but proving our nature-positive impact is where the future value lies.

    31 min

  7. 14 Apr

    Farming by satellite - what geospatial tech means for farmers with Matt Lythe

    In this RaboTalk Growing our Future episode, host Katie Rodwell chats with Matt Lythe, Managing Director of Prism Earth, to discuss how geospatial technology – a combination of satellite imagery, spectral data and AI – is rapidly becoming a practical tool for New Zealand farms. This technology is moving beyond simple mapping, to measure and manage a farm’s “natural capital” like carbon, biodiversity and soil health. Matt shares what the latest data can reveal about pasture and soil stress, how farmers can meet new EU deforestation-free requirements to protect market access, and what climate projections to 2060 mean for shifting pasture growth and rising extreme-weather risk. Like what you’ve heard? Follow our podcast for more great content. Show Notes From navigating strict new EU deforestation rules to predicting how climate change will shift pasture growth by 2060, the conversation highlights how data-driven insights can turn environmental compliance into a competitive advantage. Matt offers a vision of a ‘mosaic landscape’, where technology empowers farmers to diversify their income streams and build long-term resilience against an increasingly volatile climate. From Antarctica to Agriculture: Matt Lythe’s Background Matt shares his unique journey from a ‘townie’ remote sensing scientist to a polar researcher in Antarctica, eventually applying his expertise to New Zealand’s primary sector. Through a partnership with Silver Fern Farms, his company Prism Earth now uses AI and satellite data to help farmers measure and manage their land's natural assets. Geospatial Tech 101 Geospatial technology (or GIS) is all about location. While the tech has been around since the 70s, it’s now everywhere thanks to cloud computing and mobile devices. For a farmer, it’s about understanding the spatial relationship between soil, productive land, waterways, and animals to optimise every hectare. The Satellite Revolution The last five years have seen a ‘sensor explosion’, with a proliferation of commercial satellites, we can now monitor farms with finer detail than ever before. This isn't just about photos; satellites use spectral data to measure leaf health, soil moisture stress, and even the texture of the pasture canopy. Mapping Natural Capital Matt discusses the patterns emerging across the New Zealand landscape: Carbon Stocks: Steep gullies on sheep and beef farms often hold significant carbon and biodiversity value.Biodiversity Opportunities: Flat, lowland areas like Canterbury have high potential for new canopy and indigenous vegetation.The Mosaic Landscape: Moving toward a farm layout that integrates shelter, shade, and soil stability through a mix of native and exotic trees. Climate Risks: Looking Toward 2060 The data shows significant shifts in seasonality. While warmer winters may boost early spring growth, summers are becoming drier and more drought-prone, particularly in the North and East. Matt warns that extreme events like Cyclone Gabrielle may become more frequent, requiring farmers to use data to build more resilient land-use strategies. Meeting Global Standards: The EU Connection With the EU demanding deforestation-free supply chains, geospatial tech has become a vital proof point. Matt explains how they use satellite data to verify that New Zealand beef hasn't been raised on deforested land, ensuring our products remain competitive in premium overseas markets. The Future: Live Maps and AI Agents The next decade will move toward live farm maps. Matt envisions a world where wearable tech (like Halter) and AI work together to move herds automatically based on real-time weather forecasts and pasture growth. This shifts the farmer’s role toward more strategic thinking and animal welfare. Final Advice: Embrace the Data Matt’s message is one of optimism: New Zealand farms are inherently nature positive. By using the data available - often for free through co-ops or agencies like NIWA - farmers can turn environmental reporting into a tool for diversification and long-term profit. Don't be scared of the tech; use it to prove your greatness.

    26 min

  8. 31 Mar

    How farmers can shift from price-takers to premium value creators with Dr Victoria Hatton

    In this episode of RaboTalk Growing our Future episode, host Katie Rodwell talks with Dr Victoria Hatton, CEO of FoodHQ, about why New Zealand’s food and fibre sector is still running on a 100-year-old “commodity operating system” despite our premium reputation, driving export growth through volume rather than value and leaving farmers exposed to competitors who can simply produce it cheaper. Victoria argues the real opportunity is playing the long game in premium markets by building what customers really want not just shipping what we produce, with fast-growing potential in functional foods and targeted nutrition as consumer needs shift toward “food as medicine” and nutrient-dense products. Like what you’ve heard? Follow our podcast for more great content. Show Notes In this episode, Katie speaks with Dr. Victoria Hatton, CEO of FoodHQ, in a deep dive into the ‘commodity versus premium’ debate currently facing New Zealand’s food and fibre sector. Victoria shares insights from her extensive career to explain why New Zealand remains stuck in a volume-driven operating system despite our world-class reputation. The Commodity Operating System A key tension exists: New Zealand is a premium country operating on a 100-year-old commodity system. Victoria argues that our recent export growth has come from added volume, not added value. As long as farmers remain price-takers feeding a bulk ingredient engine (like milk powder), we remain vulnerable to competitors who can simply produce it cheaper. The Long Game in Premium Markets Shifting to premium isn’t a quick fix; it requires ‘dogged determination’. Victoria cites Quality New Zealand in India as an example of a 10-year journey to build a market. She highlights the need for empathy for the customer - understanding exactly what they want rather than just shipping what we produce. Functional Foods and the Future Consumer The consumer of 2030 isn't just looking for "milk" or "meat." There is a massive opportunity in: Functional Foods: High-protein whey, amino acids for skincare, and "food as medicine."Targeted Nutrition: Serving an aging population or consumers on GLP-1 (weight-loss) medications who want smaller, highly nutrient-dense portions. Traceability: Data as Your Best Marketing Tool While measuring on-farm metrics can feel like a political burden, Victoria views it as the proof of provenance. Consistent, scientifically robust data is what allows New Zealand to tell a unified story at the trade table. It’s the difference between a "clean green" claim and a proven, high-value brand. Capturing Your Fair Share The conversation addresses the frustration that value isn't always returned to the farm gate. Victoria points to direct-to-consumer success stories like Hamish Best (beef and lamb) and Honest Wolf (wool) as examples of how producers can bypass processors to capture premium margins. The Risk of Staying Volume-Focused Relying on volume carries significant risks: Economic Vulnerability: Dependence on volatile commodity prices.Market Access: Global regulations are hardwiring sustainability into import rules.Social License: The risk of asking too much of our land and water for a low-margin return. Final Advice: Don’t Fear the Measure Victoria’s parting message to farmers is one of optimism: "Don’t be afraid to measure and record what you’re doing." Measurement is a cheap way to market your product, benchmark your greatness, and ensure the New Zealand story remains credible on the world stage.

    32 min
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3 Ratings

About

RaboTalk’s Growing our future is all about equipping New Zealand’s farmers and growers with the knowledge to support resilient farming systems for the future. Using insights gathered from Aotearoa and across the world, Rabobank’s team of experts and connections offer up informed opinions and healthy discussion on the future of farming, and how to adapt farm strategies and systems to ensure our farms thrive in a fast-changing world. Disclaimer: This podcast has been prepared by Rabobank New Zealand Limited and Coöperatieve Rabobank U.A. (New Zealand Branch) (Incorporated in the Netherlands) (collectively referred to as ‘Rabobank New Zealand’). The information and opinions contained in this publication have been compiled or arrived at from sources believed to be reliable, but no representation or warranty, express or implied, is made as to their accuracy, completeness or correctness. This publication is for information purposes only and is not, and should not be construed as, an offer or a commitment by Rabobank New Zealand to enter into a transaction. This information is not professional advice and has not been prepared to be used as the basis for, and should not be used as the basis for, any financial or strategic decisions. This information is general in nature only and does not take into account an individual’s personal circumstances. All opinions expressed in this publication are subject to change without notice. Rabobank New Zealand does not accept any liability whatsoever for any direct, indirect, consequential or other loss or damage howsoever arising from any use of this publication or its contents or otherwise arising in connection therewith. This publication must not be reproduced or distributed without the prior written consent of Rabobank New Zealand. © 2026 Rabobank New Zealand Limited and Coöperatieve Rabobank U.A. (New Zealand Branch) (Incorporated in the Netherlands). All Rights Reserved.

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