Investor Presentaiton

PROVISION CHARGE & BALANCE CONTINUING OPERATIONS TOTAL PROVISION CHARGE & LOSS RATES $m 1,674 FINANCIAL PERFORMANCE COLLECTIVE PROVISION BALANCE & COVERAGE $m 1,048 1,064 Collective Provision charge / (release): -145 4,285 55 10 4,195 -83 746 -41 -31 760 669 626 395 187 69 -145 3,539 3,435 -678 -76 -491 1H20 2H20 1H21 2H21 Mar 21 FX Volume / mix Change in risk Eco. Fcst. Additional & scenario overlays weights Sep 21 Individual Provision charge Collective Provision charge / (release) IP loss rate (%) Total loss rate² (%) 123 1. 2. 3. Modelled ECL Additional Overlays 1H20 2H20 1H21 2H21 Mar 20 Sep 20 Mar 21 Sep 21 0.20 0.12 0.06 0.02 0.53 0.33 -0.16 -0.02 Collective Provision balance ($m) Collective Provision coverage³ 4,501 5,008 4,285 4,195 1.17% 1.39% 1.25% 1.22% Individual Provision charge as a % of average Gross Loans & Advances Total credit impairment charge / (release) as a % of average Gross Loans & Advances Collective Provision balance as a % of Credit Risk Weighted Assets ANZ 29

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