Investor Presentaiton

Collective Provision CP Balance Growth The collective provision balance increased by $157m in the first half of FY15, to $2,914m, predominantly driven by: Foreign exchange, particularly the depreciation of the AUD against the USD and against the NZD, which accounted for $102m, or 65%, of this increase Portfolio growth of $54m, specifically the Australia Division (67%), driven by the retail portfolios $m 2,757 Sep 14 Collective provision by division 61 (2) (3) (1) CP coverage $b 340 305 309 288 275 $m 102 2,914 1.01% 1.00% 0.93% 0.89% 0.86% Mar 13 Mar 14 Sep 14 Mar 15 Sep 13 Credit Risk Weighted Assets Collective Provision as a % of CRWA Collective provision by source 54 3 2,757 5 (7) 2,914 102 AUS IIB NZ Wealth & Other FX Movement Mar 15 Sep 14 Risk Lending Growth Portfolio Mix Mgmt. Overlay Fx movement Mar 15 ANZ 38

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