Investor Presentaiton

AUSTRALIA RETAIL & COMMERCIAL - LOANS & DEPOSITS LENDING COMPOSITION $b +1% 58 5335 58 13 832 58 57 57 12 12 58 3 14 3 14 COMMERCIAL & PRIVATE BANK DEPOSIT COMPOSITION +4% $b 111 107 101 86 87 90 25 28 32 22 14 15 17 12 21 26 25 30 28 26 41 41 42 42 41 42 42 44 46 53 53 57 57 62 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Small Business Banking Private Bank & Advice Savings Term Deposits Transact Mar-19 Business Banking BUSINESS BANKING $b 41 41 42 42 41 42 24 20 20 21 Mar-19 Sep-19 Net Loans & Advances Mar-20 Customer Deposits SMALL BUSINESS BANKING $b 58 55 50 44 42 41 24 24 14 14 13 12 12 12 Sep-20 Mar-21 Sep-21 Mar-19 Sep-19 Net Loans & Advances Mar-20 Customer Deposits Sep-20 Mar-21 Sep-21 ANZ 65

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