Investor Presentaiton

1H15 result overview Australia 1H15 PCP AUDM % / bps Net interest income 3,670 7% • Other operating income 571 3% Operating income 4,241 6% • Expenses (1,556) 5% • PBP 2,685 6% Impairment charge (395) (2%) • Tax & Non-Controlling Interests (688) 8% Cash Profit after Tax 1,602 8% Drivers & outcomes Maintained margins in a competitive environment Invested in frontline, digital & NSW Small business lending up 15% 5 yrs above system mortgage growth ⚫ Best in class productivity Cash Profit & growth Net interest margin 2.50% 0 bps PCP 8% 8% 8% Cost to income ratio 36.7% (30 bps) $m 1,602 Net loans and advances 297,642 7% 956 Customer deposits 162,587 4% 646 Impairment charge % avg GLA 0.27% (2 bps) NPAT contribution Aus Div Aus Retail Aus Comm Retail 956 8% Corporate & Commercial Banking 646 8% ANZ 20

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