Investor Presentaiton

NEW ZEALAND HOME LOANS HOME LENDING & ARREARS TRENDS ANZ HOME LOAN LVR PROFILE¹ 123 1. 2. 3. HOUSING FLOWS HOUSING PORTFOLIO 2% 2% 1% 1% 15% 13% 10% 4% 3% 40% 42% 6% 46% 13% 85% 87% 90% 15% 12% 60% 58% 54% 19% 19% FY19 FY20 FY21 Proprietary Broker Sep-19 Sep-20 Sep-21 Fixed Variable HOUSING PORTFOLIO BY REGION² MARKET SHARE³ 30.7% 30.5% 30.4% 1% 1% 1% 80% 24% 24% 25% 63% 60% 11% 12% 11% 7% 6% 6% 11% 11% 11% 3.9% 3.3% 3.1% 3.1% 2.4% 2.4% 46% 46% 46% Sep-19 Sep-20 Sep-21 0-60% 61-70% 71-80% 81-90% 90%+ Dynamic basis Sep-19 Auckland Wellington Sep-20 Christchurch Other Sth Is. Sep-21 2H19 2H20 2H21 Other Nth Is. Other ANZ market share ANZ growth System growth Prior periods have been restated to reflect loans previously included in "Other" have now been allocated across regions Source: RBNZ, 2H21 as at August 2021 ANZ 111

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