Investor Presentaiton

INSTITUTIONAL FINANCIAL PERFORMANCE: CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS Balance Sheet Income NLAS¹ ($b) & NIM Product Composition² ($m) 3,057 199 2,790 -13 1,278 29 2,507 2,448 158 158 829 147 18 786 14 828 857 707 1.81% 1.75% 1.85% 1.86% 811 648 647 1,164 1,508 1,012 930 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 NLAS NIM ex Markets Customer Deposits ($b) Markets TB CF Other Income Contribution ($m) Expenses / FTE Expenses ($m) Credit Quality / RWAs Total Provision Charge ($m) Profit and Returns Cash Profit ($m) 641 272 1,305 982 943 1,207 1,188 1,166 369 618 53 49 15 55 -110 -49 -34 1H20 2H20 1H21 2H21 -55 1H20 2H20 1H21 2H21 1H20 IP 2H20 1H21 CP 2H21 FTE Risk Weighted Assets ($b) Return 3,057 2,790 197 259 240 2,507 223 224 92 1,164 1,498 989 2,448 862 5,350 5,291 5,215 5,332 185 179 170 93 90 90 19 21 20 22 147 1,626 1,559 1,518 1,586 112 114 125 IIII 3.02% 3.11% 207 2.81% 2.86% 187 170 172 1.33% 1.10% 1.10% 0.67% Mar-20 Sep-20 Mar-21 Sep-21 1H20 2H20 1H21 2H21 Mar-20 Sep-20 Mar-21 Sep-21 International NZ Aust & PNG Net Interest Income Mar-20 Sep-20 Mar-21 Sep-21 RWA EOP 1H20 2H20 1H21 2H21 RWA AVG Other Operating Income Revenue/Avg RWA Return on Avg RWA³ 1. NLAS: Net Loans & Advances 2. TB: Transaction Banking; CF: Corporate Finance 3. Cash profit divided by average Risk Weighted Assets ANZ 72

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