Australian Housing Dynamics and Affordability

CET1 AND LEVERAGE IN A GLOBAL CONTEXT ABN Amro Svenska Handelsbanken SEB Swedbank Morgan Stanley Danske Bank ANZ RBS Rabobank Groupe BPCE Credit Agricole Group Nordea ING Group OCBC HSBC UOB Raiffeisen Bank International (RBI) Standard Chartered DBS Goldman Sachs Erste Bank Deutsche Bank Barclays UBS JP Morgan Intesa Sanpaolo Commerzbank Wells Fargo Credit Suisse Citibank State Street BNP Paribas UniCredit Societe Generale Bank of America TD RBC BBVA Santander BMO Scotia 5% CET1 RATIOS¹ 10% 15% 20% 2% OCBC UOB DBS BBVA Erste Bank Raiffeisen Bank International (RBI) Intesa Sanpaolo ANZ HSBC Rabobank Credit Agricole Group Standard Chartered UBS Credit Suisse RBS Groupe BPCE Nordea Barclays Santander UniCredit Swedbank ABN Amro SEB Svenska Handelsbanken Commerzbank Danske Bank ING Group RBC Societe Generale BMO Scotia BNP Paribas Deutsche Bank TD LEVERAGE RATIOS1,2 4% 6% 8% Leverage ANZ compares equally well on leverage, however international comparisons are more difficult to make given the favourable treatment of derivatives under US GAAP 1. CET1 and leverage ratios are based on ANZ estimated adjustment for accrued expected future dividends where applicable. 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. 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 8

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