Investor Presentaiton

Credit quality - Group Group overview Credit impairment charge % average GLA (Group) Individual provisions % gross impaired assets (Group) 1H15 0.19% 2H14 1H14 0.17% 0.21% 41.1% 40.7% 40.6% Collective provisions % credit RWA (Group) 0.86% 0.89% 0.93% Gross impaired assets % GLA (Group) 0.48% 0.55% 0.70% Net impaired assets % shareholders' equity (Group) 3.1% 3.5% 4.6% Control list limits (YoY % change; Group) (22%) (27%) (25%) Australia housing 90 days past due 1,2 0.57% 0.48% 0.53% Australia C&CB 90 days past due³ 1.04% 0.86% 0.86% Credit impairment charge % average GLA Gross Impaired Assets % GLA 0.40% 1.20% 0.30% 1.00% 0.80% 0.20% 0.60% 0.10% 0.40% 0.00% 0.20% Australia New Zealand IIB 0.00% -0.10% Australia New Zealand IIB 1H14 ■ 2H14 1H15 1H14 ■ 2H14 ■ 1H15 1. Exclusive of Non Performing Loans. 2. Hardship changes implemented Apr 2013. For comparison: 90+ excluding hardship changes as at Mar 2015 is 0.46%. 3. Includes Small Business, Commercial Cards and Esanda Retail. ANZ 35

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