Investor Presentaiton

Stable balance sheet composition Short Term $738bn $738bn - March 2015 Other ST Liabilities 4% Liquids 17% ST Funding 8% 29% A+3% Term Funding <12M 4% 30% A+3% Other Short Term Assets Other Customer & Trade 12% Deposits 14% Lending 69% 71% Δ -3% Long Term Fixed Assets & Other 2% Assets Stable Customer Deposits 50% 1 70% A-3% Term Funding >12M 12% SHE & Hybrids 8% Funding Structural funding position has remained stable with growth in short-term funding invested in liquids and other short-term assets Customer Deposits +$34bn or +8% vs. Sep 14 Note: A represents the change in % of funded balance sheet from 30 September 2014 to 31 March 2015. 1. Stable customer deposits represent operational type deposits or those sources from retail / business / corporate customers and the stable component of Other funding liabilities. ANZ30

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