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CONTENTS 2021 FULL YEAR RESULTS CEO and CFO Results Presentations CEO Presentation CFO Presentation Corporate Overview and Environment, Social & Governance (ESG) Additional Information - Group Performance Divisional Performance Australia Retail & Commercial Institutional New Zealand Division Treasury Risk Management Housing Portfolio 3 3 17 35 48 58 60 60 67 72 77 88 103 All figures within this investor discussion pack are presented on Cash Profit (Continuing operations) basis in Australian Dollars unless otherwise noted. In arriving at Cash Profit, Statutory Profit has been adjusted to exclude non-core items, further information is set out in the 2021 Full Year Consolidated Financial Report ANZ 2

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