Investor Presentaiton

EXPENSES CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS EXPENSE DRIVERS $m BAU costs: 199 (-3%) 8,649 53 8,509 47 -140 933 929 -308 7,716 7,580 In line with guidance of +1% to +2% expense growth in FY21 (FX adjusted) +2% flat 6 FINANCIAL PERFORMANCE 360 8,670 1,289 7,381 FY20 FX FY20 FX adj. Inflation Productivity Annual leave Other Investment FY21 BAU (run the bank)1 Investment Expensed (change the bank)1 1. Prior periods restated to reflect current management classification between BAU and Investment Expensed ANZ 30

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