Investor Presentaiton

Australia Home Loans portfolio Portfolio statistics¹ Dynamic loan to value ratio5 % of Portfolio Statistics 1H15 FY14 1H14 50% 45% Total Number of Home Loan 934k 919k 903k Accounts 40% 35% ■Sep 12 ■Mar 13 ■Sep 13 ■Mar 14 Total Home Loans FUM $218b $209b $202b 30% ■Sep 14 ■Mar 15 % of Total Australia Geography 25% 60% 60% 59% Lending 20% LVR >90% 15% % of Total Group Lending 39% 40% 39% 10% 4% (Mar 15)⁹ Owner Occupied Loans - % of 5% 60% Portfolio² 61% 61% 0% 0-60% 61-75% 76-80% 81-90% 91-95% 95%+ Average Loan Size at Origination (FY14 / 1H15 average) 3,4 $376k $352k $345k Average LVR at Origination (FY14/ 1H15 average) 3,4,5 Individual provision as % of average NLA 71% 71% 71% FY12 FY13 FY14 1H15 Average Dynamic LVR of Portfolio 4,5,6 51% 50% 50% Group 0.38% 0.25% 0.22% 0.17% % of Portfolio Ahead on Repayments 7,8 43% 45% 47% Australia Home Loans 0.02% 0.02% 0.01% 0.01% % of Portfolio Paying Interest 35% 34% Only8 33% 1. Home Loans (inclusive of NPLs, exclusive of offset balances). 2. Excludes Equity Manager. 3. Originated 1H15. 4. Unweighted. 5. Including capitalised premiums. 6. Valuations updated at reporting period end where available. 7. % of customers >30 days ahead of repayments. 8. Excludes revolving credit. 9. Excluding capitalised premiums, the % of portfolio with LVR >90% as at Sep 2014 is 2.35% (Mar ANZ 2015 was 2.6%) 42

View entire presentation