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Provision Charge Provision charge Individual provision charge composition $m $m 700 599 598 510 1,500 528 461 1,250 500 595 572 602 542 1,000 455 0.27% 300 0.24% 0.24% 750 0.20% 0.17% 500 100 250 -100 1H13 2H13 1H14 ■Individual Provision (IP) Charge Collective Provision (CP) Charge IP Charge as % Avg. GLA Individual provision charge by segment 2H14 1H15 -250 -500 1H13 2H13 1H14 2H14 1H15 ■New ■Increased ■Writebacks & Recoveries Individual provision charge by region $m 700 $m 700 595 572 602 595 602 600 572 542 600 542 15% 500 455 500 16% 21% 9% 455 50% 50% 10% 8% 3% 10% 400 58% 10% 400 8% 68% 300 63% 300 26% 21% 200 200 75% 76% 76% 81% 82% 26% 17% 100 24% 29% 26% 100 16% 20% 6% 0 1H13 2H13 1H14 2H14 1H15 1H13 2H13 1H14 2H14 1H15 ■Institutional ■Commercial ■Consumer ■Australia ■New Zealand APEA ANZ 37

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