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RISK ADJUSTED PERFORMANCE CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS INSTITUTIONAL¹ NEW ZEALAND² GROUP1,2 AUSTRALIA R&C NET INTEREST INCOME / AVERAGE CREDIT RISK WEIGHTED ASSETS % 5.88 5.99 5.84 5.68 4.22 4.21 4.32 3.95 ITTII 1H20 2H20 1H21 2H21 2.07 1.90 1.97 2.03 5.08 4.93 4.72 4.44 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 AVERAGE CREDIT RISK WEIGHTED ASSETS $b 1. 2. 321 328 316 312 138 139 139 134 119 125 114 113 57 40 57 57 44 57 58 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 Ex Markets business unit Adjusted for Balance Sheet impacts of divestments ANZ 51

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