Investor Presentaiton

Australia Division Australia Division credit exposure (EAD) 1% .0% ■Home Loans Corporate and Commercial Consumer Cards 24% Personal Loans ■ Other 2% 6% Australia Home Loans 90+ day delinquencies by state¹ ■Mar 12 ■Mar 13 ■Mar 14 ■Mar 15 1.0% 0.8% 0.6% 0.4% 69% 0.2% 0.0% VIC NSW & ACT QLD WA Portfolio Australia Division 90+ day delinquencies¹ Home Loans (inclusive of hardship change) 2 3 Corporate & Commercial Banking Consumer Cards 1% 0% Oct 10 Oct 11 Oct 12 Oct 13 Oct 14 Australia Home Loans portfolio by state¹ Mar 15 29.4% 27.0% 17.7% 16.2% 9.7% 1.08% 1.04% Mar 14 29.1% 26.2% 18.2% 16.5% 9.8% 0.57% 0% 25% 50% 75% 100% ■ VIC NSW & ACT ■ QLD ■WA ■ Other 1. Exclusive of Non Performing Loans. 2. Hardship changes implemented Apr 2013. For comparison: 90+ excluding hardship changes as at Mar 2015 is 0.46%. 3. Includes Small Business, Commercial Cards and Esanda Retail. ANZ 41

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