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AUSTRALIA RETAIL & COMMERCIAL FINANCIAL PERFORMANCE: CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS Balance Sheet Income NLAS¹ ($b) & NIM NII/OOI² Contribution ($m) Expenses / FTE Expenses ($m) Credit Quality / RWAS Total Provision Charge ($m) Profit and Returns Cash Profit ($m) FY20 9,206 FY21 9,295 FY20 3,796 FY21 3,801 FY20 1,647 FY21 (426) FY20 2,634 FY21 4,141 330 339 344 341 843 804 2.65% 2.58% 2.60% 2.61% 4,683 625 4,523 4,627 4,668 582 596 627 1,904 1,892 1,869 1,932 2,196 318 278 1,945 525 526 134 61 -106 1,355 1,279 4,058 3,941 4,031 4,041 -515 -45 -381 Mar-20 Sep-20 Mar-21 Sep-21 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 NLAS NIM% NII OOI IP 1H20 2H20 1H21 2H21 CP 1H20 2H20 1H21 2H21 Customer Deposits ($b) Business Contribution ($m) FTE Risk Weighted Assets EOP ($b) Return 235 241 253 213 4,683 4,523 4,627 4,668 1,502 1,398 1,374 1,421 14,061 14,078 14,118 14,480 162 167 163 164 5.78% 5.74% 5.54% 5.60% 3,181 3,125 3,253 3,247 1.67% 1.57% 2.66% 2.39% Mar-20 Sep-20 Mar-21 Sep-21 1H20 2H20 1H21 2H21 Mar-20 Sep-20 Mar-21 Sep-21 Mar-20 Sep-20 Mar-21 Sep-21 1H20 2H20 1H21 2H21 Retail Commercial Revenue/Avg RWA 1. NLAS: Net Loans & Advances 123 2. NII: Net Interest Income; 001: Other Operating Income 3. Cash profit divided by average Risk Weighted Assets Return on Avg RWA³ ANZ 60

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