Investor Presentaiton

RISK MANAGEMENT PORTFOLIO COMPOSITION AND COVERAGE RATIOS PORTFOLIO COMPOSITION Sovereign Bank Corporate Resi. Mortgage Retail (ex Mortgages) Other Gross loans and advances Credit RWA Exposure at Default¹ $634b 2% 2% 32% 58% $1,080b $342b 3% 3% 53% 32% 4% 3% 7% 1% Sep-21 % 1% Sep-21 Coverage ratios % CP coverage Total coverage² 0.66 0.77 1. 2. 1.22 1.43 23% 3% Exposure at Default¹ (ex Sovereign & Bank) Expected credit loss (Collective Provision balance) $794b 31% 43% 38% $4b 1% 1% 55% 19% 52% 23% 4% 6% 1% Sep-21 Sep-21 Sep-21 % 0.39 0.45 % 0.52 0.61 EAD excludes amounts for 'Securitisation' and 'Other Assets' Basel classes, as per APS330. Data provided is on a Post CRM basis, net of credit risk mitigation such as guarantees, credit derivatives, netting and financial collateral Individual Provision balance and Collective Provision balance ANZ 93

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