Investor Presentaiton

ANZ's CET1 ratio compares favourably to global peers adjusting for regional methodology differences 8.7% Canada UK Singapore Europe +270bps +60bps +70bps +30bps 12.4% 12.5% 12.1% 11.5% 11.9% 11.4% 11.6% 10.9% 9.8% 1. Methodology per Australian Bankers' Association: International comparability of capital ratios of Australia's major banks (August 2014). 2. Peer estimates are based on RWA weighted average of G-SIB/D-SIBS (ex Singapore which is based on DBS and OCBC) fully loaded Basel III capital ratios per most recent disclosures. ANZ 28

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