PitchSend

Investor Presentaiton

AUSTRALIA HOME LOANS PORTFOLIO 1,2 & FLOW 3,4 COMPOSITION (% of TOTAL BALANCES) BY PURPOSE Portfolio Flow 3% 2% 2% 1% 30% 30% 30% 31% 67% 68% 68% 68% Sep-19 Sep-20 Sep-21 FY21 Owner Occupied Investor Equity Manager? BY LOCATION BY ORIGINATION LVR4,5,6 Flow 18% 17% 17% 22% 20% 21% 65% 63% 57% FY19 FY20 FY21 <80% LVR 80% LVR >80% LVR BY CHANNEL Portfolio Flow Portfolio Flow $265b $275b $278b $68b 6% 6% 6% 6% $61b 13% 12% 11% 8% 16% 15% 15% 14% 48% 47% 47% 44% $40b 43% 32% 33% 33% 35% 47% 52% 53% 53% 57% 56% 33% Sep-19 34% 35% 37% 53% Sep-20 Sep-21 FY21 Sep-19 Sep-20 Sep-21 FY19 FY20 FY21 VIC/TAS NSW/ACT QLD WA SA/NT Broker Proprietary 1. 2. Includes Non Performing Loans The current classification of Investor vs Owner Occupied is based on ANZ's product category, determined at origination as advised by the customer and the ongoing precision relies primarily on the customer's obligation to advise ANZ of any change in circumstances 34567 3. YTD unless noted 4. Based on drawn month 5. Includes capitalised LMI premiums 6. Historical FY19 and FY20 figures have been restated based on drawn month (previously reported based on application month) 7. ANZ Equity Manager product no longer offered for sale as of 31 July 2021 ANZ 106

View entire presentation