Investor Presentaiton

AUSTRALIA HOME LOANS PORTFOLIO DYNAMICS HOME LOANS REPAYMENT PROFILE 1,2 70% of accounts ahead of repayments HOME LOANS ON TIME & <1 MONTH AHEAD PROFILE² % composition of accounts (Sep-21) 32% 0 14 13 28% 26 Active COVID-19 deferrals³ 26 30 36 12% 8% 6% 6% 6% 22 19 15 14 38 New Accounts: Less than 6 months old Structural: Loans that restrict payments in advance e.g. fixed rate loans Investment: Interest payments may receive negative gearing/tax benefits4 Residual: Less than 1 month repayment buffer 2% 23 24 Overdue On Time <1 month 1-3 months 3-6 months ahead ahead ahead 6-12 months ahead 1-2 years ahead >2 years ahead Sep-19 Sep-20 Sep-21 Sep-19 Sep-20 Sep-21 DYNAMIC LOAN TO VALUE RATIO BASED ON PORTFOLIO BALANCES 5,6,7,8 % of total Portfolio Balances >90% Net of offset balances •4.0% of portfolio 60 60 • 42% ahead of repayments² 50 50 ⚫44% with LMI 40 40 30 NEGATIVE EQUITY 30 20 Net of offset balances 20 10 0 1.2% of portfolio ⚫46% ahead of repayments² 10 0 0-60% 61-75% 76-80% 81-90% 91-95% 96- 100%+ ⚫37% with LMI 100% Sep-19 Sep-20 Sep-21 DYNAMIC LOAN TO VALUE RATIO BASED ON TOTAL PORTFOLIO ACCOUNTS 5,6,7,8,9 % of total Portfolio Accounts 0-60% 61-75% 76-80% 81-90% 91-95% 96- 100%+ 100% >90% Net of offset balances •2.9% of portfolio • 48% ahead of repayments² ⚫50% with LMI NEGATIVE EQUITY Net of offset balances ⚫0.9% of portfolio • 52% ahead of repayments² ⚫42% with LMI Sep-19 Sep-20 Sep-21 1. Includes Non Performing Loans 2. % of Owner Occupied and Investment Loans that have any amount ahead of repayments. Excess repayments based on available Redraw and Offset. Excludes Equity Manager Accounts 3. For Sep-21 column, this only captures 2021 COVID deferrals as at 10 Sep 2021 4. The current classification of Investor vs Owner Occupied, is based on ANZ's product category, determined at origination as advised by the customer and the ongoing precision relies primarily on the customer's obligation to advise ANZ of any change in circumstances 5. Includes capitalised LMI premiums 6. Valuations updated to Aug 21 where available 7. Includes Non Performing Loans and excludes accounts with a security guarantee and unknown DLVR 8. DLVR does not incorporate offset balances 9. Aligning with calculations that produce a portfolio average DLVR unweighted based on # accounts of 51% ANZ 107

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