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RISK MANAGEMENT COLLECTIVE PROVISION (CP) BALANCE & CHARGE CP CHARGE CP BALANCE BY CATEGORY $m $m CP charge 1H19 2H19 1H20 2H20 1H21 2H21 13 4 1,048 669 -678 -145 1.39% 1.25% 1.22% 1.17% 0.98% 0.94% Volume/Mix -28 -51 0 46 -199 -83 Change in Risk -40 19 17 44 -112 -41 Economic forecast & scenario weights 99 31 1,124 -106 -417 -31 Additional overlays -18 5 -93 685 50 10 5,008 4,501 11 696 4,285 4,195 746 760 3,378 3,376 104 MOVEMENT IN CP BALANCE $m 1. 5,008 10 BY DIVISION Collective Provision Charge: -823 3,378 3,272 18 4,195 -621 -159 -61 4,490 4,312 3,539 3,435 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Sep-20 FX Australia R&C Institutional New Zealand Other Sep-21 Modelled ECL Additional overlays - CP Coverage¹ CP as a % of Credit Risk Weighted Assets (CRWA) ANZ 91

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