Investor Presentaiton

CREDIT QUALITY GROSS IMPAIRED ASSETS (GIA) $b 0.55% 4 3 N 1 3.2 0.41% 0.40% 0.35% 0.33% 0.31% 2.5 2.4 2.1 2.0 2.0 CORPORATE STRENGTH RISK INTENSITY Credit Risk Weighted Assets as a % of Exposure at Default¹ % 39 37 37 36 36 33 Sep 18 Sep 19 Sep 20 Sep 21 Sep 16 Sep 17 LONG RUN LOSS RATES (INTERNAL EXPECTED LOSS)² bps 37 35 35 32 30 27 27 22 26 26 26 23 22 0 Sep 16 Sep 17 Sep 18 Sep 19 Sep 20 Sep 21 Mar 16 Sep Mar 16 17 Sep Mar Sep Mar Sep Mar Sep Mar 17 18 18 19 19 20 20 21 Sep 21 Australia R&C Institutional GIA as a % of GLA New Zealand Pacific/Other 1. Sep 21 excludes increased exposure to the RBA via higher exchange settlement account balances 2. IEL: Internal Expected Loss (IEL) is an internal estimate of the average annualised loss likely to be incurred through a credit cycle ANZ 21

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