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AUSTRALIA COMMERCIAL & PRIVATE BANK BOOK COMPOSITION & RISK WEIGHT INTENSITY DIVERSIFIED PORTFOLIO - GEOGRAPHICAL VIEW SEP-21 % OF EXPOSURE AT DEFAULT (EAD)1 8% 11% 15% 27% 14% 26% VIC/TAS NSW/ACT QLD WA SA/NT Other DIVERSIFIED PORTFOLIO - INDUSTRY VIEW SEP-21% OF EXPOSURE AT DEFAULT (EAD) 1. 2. SECURITY PROFILE % OF EXPOSURE AT DEFAULT (EAD)² 6% 14% 7% 73% 5% 14% 5% 6% 5% 13% 75% 77% Sep-19 Sep-20 Sep-21 Fully Secured Partially Secured Unsecured Other RISK WEIGHT INTENSITY $b 65.2% 64.2% 64.3% 63.3% 61.1% 58.8% 25% 28% Comm. Property & Construction Agri., Forestry & Fishing Retail Trade 72 71 72 72 71 71 52 54 54 55 52 52 6% 5% 8% 9% 20% Other Property & Bus. Services Accom. Cafes & Restaurants Health & Community Services Other Industries Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Total CRWA/EAD EAD Total RWA States based on primary postcode. 'Other' refers to exposures not reported against a specific state. Some postcodes occur across two states Fully Secured on a market value basis. Other includes loans secured by cash or via sovereign backing ANZ 66

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