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AUSTRALIA RETAIL & COMMERCIAL - COMMERCIAL & PRIVATE BANK CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS BALANCE SHEET CONTRIBUTION Sep-21 $b 341 TOTAL COMMERCIAL & PB Income FY21 V FY20 2H21 v 1H21 -4% +3% Income drivers Net Interest Other Operating FY21 v FY20 -4% 2H21 v 1H21 0% +4% 0% Expenses -3% +1% NLA drivers² FY21 v FY20 2H21 v 1H21 Profit before provisions -4% +6% PB&A +4% +3% Cash Net Profit after tax +140% -7% BB -1% +1% SBB -2% -2% Net Loans & Advances -1% +1% Commercial & Private Bank Customer Deposits +10% +4% Total Customers +13k +6k Deposit drivers Term Deposits Transact/Savings FY21 V FY20 2H21 v 1H21 -20% +20% -17% +10% 253 284 141 Retail 57 111 Net Loans & Advances Customer Deposits¹ CASH PROFIT DRIVERS - COMMERCIAL & PRIVATE BANK $m 210 Net Interest Income: -25 121 1 13 -146 564 599 -164 Net Interest Income: +47 30 17 0 17 556 -6 -101 2H20 Cash Profit (ex L/N) Volume Margins Other Operating Income Expenses Provisions Tax 1H21 Cash Profit (ex L/N) Volume Margins Other Operating Income Expenses Provisions Tax 1. 2. Sum of parts in the chart may not add to the total due to rounding PB&A: Private Banking & Advice; BB: Business Banking; SBB: Small Business Banking 2H21 Cash Profit (ex L/N) ANZ 64

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