Investor Presentaiton

AUSTRALIA HOME LOANS PORTFOLIO PERFORMANCE HOME LOANS 90+ DPD BY STATE 1,2 % of Portfolio Segment Balances HOME LOAN DELINQUENCIES 1,2,3,4 % of Portfolio Segment Balances 2.5 2.0 1.5 1.0 0.5 0.0 VIC & TAS NSW & ACT QLD WA SA & NT Portfolio Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 2.5 2.0 1.5 1.0 0.5 0.0 Mar- 18 Sep- 18 Mar- 19 Sep- 19 Mar- Sep- Mar- Sep- 20 20 21 21 30+ DPD % 90+ Investor 90+ Owner Occupied HOME LOANS 90+ DPD (BY VINTAGE)5 % 2.5 2.0 1.5 1.0 0.5 0.0 6 8 10 12 14 16 18 20 22 24 Month on book 26 28 30 32 34 36 - FY15 - FY16 - FY17 - FY18 - FY19 - FY20 FY21 1. Includes Non Performing Loans 2. ANZ delinquencies are calculated on a missed payment basis for amortising and Interest Only loans 3. 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 4. 30+ and 90+ between Mar 20 and Jun 20 excludes eligible Home Loans accounts that had requested COVID-19 assistance but due to delays in processing had not had the loan repayment deferral applied to the account 5. Home loans 90+ DPD vintages represent % ratio of over 90+ delinquent (measured by # accounts), contains at least 6 application months of that fiscal year contributing to each data point ANZ 108

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