Investor Presentaiton

BALANCE SHEET STRUCTURE1 NSFR MOVEMENT Sep-21 % 5.5 123.8 0.6 -2.2 -1.9 Pro forma NSFR is ~119% once RSF benefit associated with TFF and CLF 10 is removed BALANCE SHEET COMPOSITION Sep-21 1.0 123.8 0.8 -3.8 Sep-20 Retail/ Loans Corp/ Operational Deposits CLF and TFF 11 Capital & LT Debt³ Hybrids FI/Bank Other⁹ Sep-21 & Repo NSFR COMPOSITION Sep-21 $b Liquid and Other Assets 35% Short Term Wholesale Debt & Other Funding² 23% FI Lending 4% Non-FI Lending 21% Corporate, PSE & Operational Deposits 25% 573 Wholesale Funding³ & Other Non-Financial Corporates Retail/SME Capital Available Stable Funding 463 Liquids and Other Assets5 Other Loans6 Residential Mortgages7,8 <35% Required Stable Funding Retail & SME Deposits 33% Mortgages 40% Long Term Wholesale Debt³ 10% Capital Incl. Hybrids & T2 Assets 9% Funding 1. NSFR Required Stable Funding (RSF) and Available Stable Funding (ASF) categories and all figures shown are on a Level 2 basis per APRA prudential standard APS210 2. Includes FI/Bank deposits, Repo funding and other short dated liabilities 3. Excludes drawn TFF of $8b for FY21 4. 'Other' includes Sovereign, and non-operational FI Deposits 5. 'Other Assets' include Off Balance Sheet, Derivatives, Fixed Assets and Other Assets 6. All lending >35% Risk weight 7. Includes NSFR impact of self-securitised assets backing the Committed Liquidity Facility (CLF) 8. <35% Risk weighting as per APRA Prudential Standard 112 Capital Adequacy: Standardised Approach to Credit Risk 9. Net of other ASF and other RSF, and Liquids 10. CLF is $10.7b as at 30 September 2021. Consistent with APRA's requirement, ANZ's CLF will decrease to zero through equal reductions on 1 January, 30 April, 31 August and 31 December 2022 11. Reduction in assets (supporting the CLF and TFF) that receive concessional 10% RSF. Includes drawn TFF of $8b for FY21 ANZ 82

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