Investor Presentaiton

Commercial property portfolio $b Commercial Property outstandings by region¹ Commercial Property outstandings by sector¹ 8.0% 35.5 34.4 33.9 32.0 4.6 7.5% 30.6 4.5 4.1 30% 4.1 4.0 7.8 7.0% 6.1 6.9 6.9 5.4 6.5% 26% ■ Offices 4% 3% 15% ■Retail ■Residential 22% ■Industrial ■Tourism Other Property peer comparison² 6.0% $m ANZ Peer 1 Peer 2 Peer 3 23.0 22.9 23.1 21.2 21.8 Property Portfolio EAD 51,039 68,739 72,935 57,994 5.5% 5.0% Mar 13 Sep 13 Mar 14 Sep 14 Dec 14 Australia New Zealand APEA % of Group GLA's (RHS) Property EAD Growth Rates Property EAD/Total EAD Impaired Assets Property Impaired Assets/Property EAD 7.9% (1.6%) 13.9% 7.0% 5.73% 7.57% 8.50% 6.42% 424 1,497 726 318 0.83% 2.18% 1.00% 0.55% 1. As per ARF230 disclosure. 2. As per APS330 disclosure. ANZ includes property services, not consistent across peers. ANZ 47

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