Investor Presentaiton

Total Credit Exposure (EAD) by Geography Exposure at Default¹ by Geography Total Exposure at Default (Mar 15) - $869b¹ Australia $515.8b New Zealand $149.5b UK & Europe 4% New Zealand 17% Americas 4% Pacific 1% 4% Singapore APEA 24% 3% Hong Kong 6% Other North East Asia 2% Other South East Asia Exposure at Default by Line of Business² APEA 16% $204.1b 29% Australia 59% 31% 22% 94% 53% 49% Australia ■Retail 1. EAD excludes amounts for 'Securitisation' and 'Other Assets' Basel asset classes. 2. Institutional includes exposure to Bank and Sovereign counterparties and ANZ's Liquidity portfolio. New Zealand Institutional 6% APEA ■Commercial ANZ 15

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