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AUSTRALIA RETAIL & COMMERCIAL - RETAIL CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS BALANCE SHEET CONTRIBUTION Sep-21 $b TOTAL RETAIL Income FY21 V FY20 2H21 v 1H21 +3% 0% Income drivers Net Interest Other Operating FY21 V FY20 2H21 v 1H21 +3% +2% -1% +9% 341 57 253 Expenses +2% +5% Profit before provisions +4% -3% NLA drivers Home loans FY21 v FY20 2H21 v 1H21 Commercial & Cash Net Profit after tax +39% -13% CC & PL² +1% -11% -1% -11% 111 Private Bank Net Loans & Advances +1% -1% 284 Customer Deposits +6% +5% 141 Retail Total Customers +78k +39k Deposit drivers Term Deposits Transact/Savings³ FY21 v FY20 2H21 v 1H21 -32% +14% -18% +9% Net Loans & Advances Customer Deposits¹ CASH PROFIT DRIVERS. - RETAIL $m 1,069 Net Interest Income: +115 68 47 13 10 621 Net Interest Income: -37 1,597 -231 -23 -14 31 90 1,389 -57 -235 2H20 Cash Profit (ex L/N) Volume Margins Other Operating Income Expenses Provisions Tax 1H21 Cash Profit (ex L/N) Volume Margins Other Operating Income Expenses Provisions Tax 123 1. 2. 3. Sum of parts in the chart may not add to the total due to rounding Credit Cards & Personal Loans Includes Home Loans offset accounts 2H21 Cash Profit (ex L/N) ANZ 61

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