Investor Presentaiton

AUSTRALIA & NEW ZEALAND 90+ DAYS PAST DUE (DPD) CONSUMER PORTFOLIO 1,2,3 % of Total Portfolio Balances 5.0 4.5 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 COMMERCIAL PORTFOLIO4,5 AUSTRALIA COMMERCIAL 90+ Days Past Due¹ as a % of Total Portfolio Balances 5.0 4.5 4.0 3.5 3.0 2.5 2.0 1.5 1.0 Mar- 17 Sep- 17 Mar- 18 Sep- 18 Mar- 19 Sep- 19 Mar- 20 Sep- 20 Mar- 21 Sep- 21 NZ BUSINESS 90+ Days Past Due as a % of Total Portfolio Balances 0.2 0.1 0.0 0.0 Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- 17 17 18 18 19 19 20 20 21 21 17 17 18 18 19 19 20 20 21 Sep- 21 Australia Home Loans Australia Personal Loans Australia Consumer Cards - NZ Home Loans 1. 2. 3. 4. 5. Includes Non Performing Loans ANZ delinquencies are calculated on a missed payment basis for amortising and Interest Only loans Australia Home Loans 90+ between Mar-20 and Jun-20 excludes eligible Home Loans accounts that had requested COVID-19 assistance but due to delays in processing had not had the loan repayment deferral applied to the account Australia Commercial includes Business Banking and Small Business Banking NZ Business is inclusive of Agri (previously shown as a separate series), and excludes UDC ANZ 70

View entire presentation