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RISK MANAGEMENT LONG RUN PROVISIONS & LOSS RATES TOTAL CREDIT IMPAIRMENT CHARGE $m 1,800 1,500 1,200 900 600 300 0 -300 -600 -900 TTTTTHT 1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 Consumer IP Commercial IP Institutional IP CP Charge (Release) 1H13 2H13 1H14 2H14 1H15 2H15 1H16 2H16 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 ANZ HISTORICAL LOSS RATES¹ (basis points) 250 200 150 100 New Zealand 0.25 0.26 0.26 0.22 0.21 LONG RUN LOSS RATE (INTERNAL EXPECTED LOSS²) (%) Division Mar-16 Sep-16 Mar-17 Sep-17 Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Aus. R&C 0.35 0.33 0.33 0.33 0.31 0.29 0.29 0.29 0.28 0.27 0.24 0.22 0.19 0.19 0.18 0.19 0.16 0.15 0.13 0.32 0.27 50 Asia Retail 1.51 2.75 0 0 Insti- 0.37 0.36 0.35 0.30 0.27 0.25 0.25 0.30 0.25 0.25 tutional Pacific 1.47 1.79 1.60 1.69 1.95 1.78 1.60 1.40 1.30 1.46 1.74 2.15 Subtotal 0.34 0.33 0.33 0.30 0.30 0.27 0.27 0.26 0.26 0.26 0.23 0.22 1.50 1.51 0 0 Sep- 90 Sep- 93 Sep- Sep- Sep- Sep- Sep- Sep- 96 99 02 05 08 11 Sep- 14 Sep- 17 Sep-Sep- 20 21 Total 0.37 0.35 0.35 0.32 0.30 0.27 0.27 0.26 0 0.26 0 0 0 0.26 0.23 0.22 IP Loss Rate Median Annual IP Loss Rate (excl. current period) 1. IP Charge as a % of average Gross Loans and Advances (GLA) 2. IEL: Internal Expected Loss (IEL) is an internal estimate of the average annualised loss likely to be incurred through a credit cycle ANZ 89

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