Investor Presentaiton

NEW ZEALAND DIVISION BALANCE SHEET HOUSING¹ ANZ PERFORMANCE (NZDb) BUSINESS² ANZ PERFORMANCE (NZDb) AGRI ANZ PERFORMANCE (NZDb) 98.8 95.4 100 87.6 89.5 30 30 25 80 25 20.7 20 17.9 17.6 18.1 20 60 17.2 16.9 16.5 16.1 15 15 40 10 10 20 5 5 0 0 Mar-20 Sep-20 Mar-21 Sep-21 Mar-20 Sep-20 Mar-21 Sep-21 0 RIL Owner Occupied Commercial Property Other lending Mar-20 Dairy Sep-20 Mar-21 Sheep, cattle and grain Sep-21 Other RELATIVE TO SYSTEM GROWTH3 RELATIVE TO SYSTEM GROWTH3 24.8% 23.5% 22.7% 22.5% 30.7% 30.6% 30.5% 30.4% 4.1% 6.8% 6.4% 0.9% 3.5% 3.7% 3.1% 2.4% 3.9% 3.1% Mar-20 Sep-20 Mar-21 Sep-21 System growth ANZ growth Market share 123 1. Housing includes business loans secured by residential properties 2. 3. Business excludes business loans secured by residential properties, 1H20 includes UDC Source: RBNZ, market share at NZ Geography level, 2H21 data as at August 2021 -0.4% -3.8% RELATIVE TO SYSTEM GROWTH3 27.7% 27.2% 26.9% 26.2% 2.3% 1.6% 0.4% -0.6% -1.2% -1.0% -2.0% -2.1% -2.4% -2.4% -6.7% -11.7% Mar-20 Sep-20 Mar-21 Sep-21 Mar-20 Sep-20 Mar-21 Sep-21 ANZ 69

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