Australian Housing Dynamics and Affordability

FINANCIAL PERFORMANCE CASH PROFIT CONTINUING OPERATIONS CASH PROFIT DRIVERS $m 6,487 79 -21% FY18 Large / Notable items after tax¹ 1 -94 -134 0% 0% 20% 131 6,470 -5% Revenue Expenses Provisions Tax & NCI FY19 CASH PROFIT DIVISIONAL PERFORMANCE $m 79 6,487 Australia Retail & FY19 V FY18 Institutional 151 6,470 NZ (NZD) Commercial 172 14 Income -6% 5% 2% -22 -411 Expenses 0% -3% 5% Includes $79m from share of associates profit Cash Profit -10% 11% -4% FY18 Large Notable items after tax¹ Australia Retail & Comm. Institut. (ex. Markets) Markets NZ Other FY19 1. Details of large / notable items provided in the investor discussion pack - additional financials section ANZ 44

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