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RISK MANAGEMENT INDIVIDUAL PROVISION CHARGE INDIVIDUAL PROVISION CHARGE $m 1,047 INDIVIDUAL PROVISION CHARGE BY DIVISION $m 1,047 82 892 787 554 892 81 826 922 626 430 398 343 380 787 435 86 395 626 339 554 969 210 812 807 187 79 592 61 398 612 594 500 69 55 272 43 61 430 343 380 3 395 532 31 495 376 28 15 5 266 34 35 7 40 49 35 62 229 153 136 116 122 158 175 93 93 79 103 469 187 429 430 453 337 375 350 355 318 55 278 -259 -274 -335 -298 -245 69 -274 -280 -268 -300 -394 -373 -352 134 15-3 61 -33 -10 -52 1H16 2H16 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 New Increased Writebacks & Recoveries 1H16 2H16 1H17 2H17 1H18 2H18 1H19 2H19 1H20 Pacific Other Australia R&C New Zealand Institutional 2H20 1H21 2H21 Ratios 1H16 2H16 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 IP loss rate (bps)¹ 31 36 27 19 15 12 12 13 20 12 6 2 Total loss rate (bps) 1 32 36 25 16 14 9 13 13 53 33 -16 -2 IP balance / Gross Impaired Assets 43% 41% 43% 48% 50% 43% 42% 40% 42% 36% 33% 35% 1. Annualised loss rate as a % of Gross Loans and Advances (GLA) ANZ 90

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