Investor Presentaiton

Internationally Comparable regulatory capital position CET1 Tier 1 Total Capital APRA 8.7% 10.6% 12.6% 10% 15% allowance for equity investments and DTA APRA requires 100% deduction from CET1 vs. Basel framework which allows concessional threshold prior to deduction 0.9% 0.9% 0.8% Mortgage 20% LGD floor APRA requires use of 20% mortgage LGD floor vs. 10% under Basel framework 0.4% 0.4% 0.5% IRRBB RWA (APRA Pillar 1 approach) APRA includes in Pillar 1 RWA. This is not required under the Basel framework 0.2% 0.2% 0.3% Specialised Lending (Advanced treatment) Corporate undrawn EAD and unsecured LGD adjustments APRA requires supervisory slotting approach which results in more conservative risk weights than under Basel framework 0.4% 0.4% 0.5% Australian ADI unsecured corporate lending LGDs and undrawn CCFs exceed those applied in many jurisdictions 1.5% 1.8% 2.0% Other Includes impact of deductions from CET1 for capitalised expenses and deferred fee income required by APRA 0.3% 0.4% 0.4% Internationally Comparable¹ 12.4% 14.7% 17.1% 1. Internationally Comparable methodology per Australian Bankers' Association: International comparability of capital ratios of Australia's major banks (August 2014). ANZ, 27

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