Investor Presentaiton

CET1 AND LEVERAGE IN A GLOBAL CONTEXT CET1 RATIOS1,2 0% 5% 10% 15% 20% 25% SEB • CET1 Regulators globally have provided specific COVID related transitional arrangements, ANZ has utilised public CET1 levels and adjusted for Capital treatment of ECL provisioning where available No adjustments have been made for RWA concessions related to COVID (i.e. mortgage deferrals) Svenska Handelsbanken Swedbank ABN Amro Nordea Danske Bank ANZ Natwest Morgan Stanley Rabobank Credit Agricole Group ING Group OCBC HSBC UniCredit Groupe BPCE Intesa Sanpaolo Barclays OCBC BBVA UOB Rabobank Intesa Sanpaolo DBS Erste Bank Raiffeisen Bank International (RBI) ANZ Credit Suisse UBS Nordea ING Group HSBC Swedbank Credit Agricole Group LEVERAGE RATIOS1,2,3 0% 1% 2% 3% 4% 5% 6% 7% 8% 9% Leverage ANZ compares well on leverage, however international comparisons are more difficult to make given the favourable treatment of derivatives under US GAAP UBS DBS Erste Bank BBVA UOB Standard Chartered TD Credit Suisse Raiffeisen Bank International (RBI) Societe Generale JP Morgan BNP Paribas Commerzbank Deutsche Bank Goldman Sachs BMO Bank of America Wells Fargo RBC Scotia Santander State Street Citibank UniCredit Santander ABN Amro SEB Svenska Handelsbanken Standard Chartered Danske Bank Natwest Groupe BPCE Commerzbank Societe Generale Deutsche Bank BMO Barclays BNP Paribas RBC Scotia TD 1. CET1 and leverage ratios are based on ANZ estimated adjustment for accrued expected future dividends, COVID transitional arrangements for expected credit loss and leverage exposure concessional adjustments where details have been externally disclosed. ANZ ratios are on an Internationally Comparable basis. All data sourced from company reports and ANZ estimates based on last reported half/full year results assuming Basel III capital reforms fully implemented 2. Based on Group 1 banks as identified by the BIS (internationally active banks with Tier 1 capital of more than €3 billion) 3. Includes adjustments for transitional AT1 where applicable. Exclude US banks as leverage ratio exposures are based on US GAAP accounting and therefore incomparable with other jurisdictions which are based on IFRS ANZ 81

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