Investor Presentaiton

1H15 result overview International & Institutional Banking 1H15 PCP AUDM % / bps Net interest income 2,027 2% Other operating income 1,759 8% Operating income 3,786 5% Expenses (1,771) 9% PBP 2,015 1% Impairment charge (98) (40%) Cash Profit 1,459 7% Net interest margin 1.34% (21 bps) • • Drivers & outcomes 49% of markets income from APEA; driving IIB Asia growth of ~15% APEA represents over half of IIB's NPAT $1 of trade income generating $1.40 of cross sell into markets and cash2 #4 Corporate Bank in Asia³ Net interest margin (ex Global Markets) 2.32% (19 bps) Cost to income ratio 46.8% 190 bps Growing higher ROE businesses4 Net loans and advances 156,517 15% $m 2,966 2,992 Customer deposits 201,124 17% 361 356 12% 12% Impairment charge % avg GLA 0.13% (11 bps) 877 845 28% 30% NPAT contribution¹ 500 549 18% Global Transaction Banking 305 38% 17% Higher ROE Global Loans and Advisory 394 (9%) 1,228 1,242 42% 41% Global Markets 421 (7%) Asia Partnerships 299 24% 1H14 1H15 ■Markets ■Cash ■Global Loans ■Trade Retail Asia Pacific 56 24% 1. Excluding Central Functions. 2. Cross-sell multiple based on a pool of customers that have a minimum of Trade, Markets and Cash Management with ANZ. 3. Greenwich Associates 2014 Asian Large Corporate Banking Study. 4. Excludes retail and partnerships. 22 ANZ

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