Investor Presentaiton

AUSTRALIA RETAIL & COMMERCIAL CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS INCOME RISK ADJUSTED MARGINS FINANCIAL PERFORMANCE $m 4,683 4,627 4,668 Net Interest Income as a % of average Credit Risk Weighted Assets % 5.99 4,523 5.88 1,502 1,374 1,421 1,398 1H20 5.68 5.84 2H20 1H21 2H21 NET LOANS & ADVANCES $b 330 3,181 3,125 3,253 3,247 58 339 344 341 7 7 58 57 57 264 275 281 278 1H20 2H20 1H21 2H21 Mar 20 Sep 20 Mar 21 Sep 21 Retail Commercial Home Loans Commercial Cards & Personal Loans ANZ 25

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