ESG PRESENTATION

PROTECTING OUR CUSTOMERS, OUR PEOPLE, OUR ABILITY TO OPERATE OUR CUSTOMERS OUR PEOPLE BALANCE SHEET ~200,000 loans provided with COVID-19 relief measures ~90% of our people working from home across 32 markets ~$7b lending¹ to Institutional customers in March-20 85% staff engagement score² $44b increase in customer deposits (Sep 19 to Jun 20) $1.3b increase in CET1 capital (Sep 19 to Jun 20) 1. Credit Risk Weighted Assets 2. July 2020 My voice COVID-19 Pulse survey ANZ 6

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