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INTERNATIONALLY COMPARABLE¹ REGULATORY CAPITAL POSITION APRA Level 2 CET1 Ratio - 30 September 2021 12.3% Level 2 CET1 Ratio Corporate undrawn EAD and unsecured LGD adjustments Equity Australian ADI unsecured corporate lending LGDs and undrawn CCFs exceed those applied in many jurisdictions 1.8% % Investments & APRA requires 100% deduction from CET1 vs. Basel framework which allows concessional threshold prior to deduction 0.9% DTA 16.7 Mortgages APRA requires use of 20% mortgage LGD floor vs. 10% under Basel framework. Additionally, APRA also requires a higher correlation factor vs 15% under Basel framework 1.5% Specialised Lending APRA requires supervisory slotting approach which results in more conservative risk weights than under Basel framework 11.3 0.9% IRRBB RWA APRA includes in Pillar 1 RWA. This is not required under the Basel framework 0.6% Other Includes impact of deductions from CET1 for capitalised expenses and deferred fee income required by APRA, currency conversion threshold and other retail standardised exposures 0.3% Basel III Internationally Comparable CET1 Ratio Basel III Internationally Comparable Tier 1 Ratio Basel III Internationally Comparable Total Capital Ratio 18.3% Sep-20 20.9% APRA Level 2 26.3% 18.3 18.1 12.4 12.3 Mar-21 H Sep-21 Internationally Comparable¹ 1. Internationally Comparable methodology aligns with APRA's information paper entitled International Capital Comparison Study (13 July 2015). Basel III Internationally Comparable ratios do not include an estimate of the Basel I capital floor ANZ 80

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