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Investor Presentaiton

CREATING VALUE FOR OUR STAKEHOLDERS - 31 MARCH 2019 CUSTOMERS 8.7m total retail, commercial and Institutional customers ~150,000 net new customers over 12 months to March 2019 $289b in retail & commercial customer deposits in Australia and New Zealand $344b in home lending in Australia and New Zealand Full mobile wallet offering, including Apple Pay™, GooglePayTM, Samsung Pay™, FitBit Pay™ and Garmin Pay™ #1 Lead bank for trade services¹ EMPLOYEES 39,359 people employed (FTE) 608 people recruited from under-represented groups, including refugees, people with disability and Indigenous Australians since 2016 32.4% of women in leadership, increase from 27.9% in Sep 20142 877k hours of training provided in FY18 COMMUNITY $137m contributed in community investment in FY183 Disaster relief packages for Qld floods; Vic and Tas bushfires; NT cyclones and NSW hailstorms $1.5m in donations across FY18 and 1H19 for drought and flood relief 124,113 volunteering hours completed by employees in FY18 $1.5b in taxes incurred; money used by governments to provide public services and amenities >889k people reached through target to help enable social and economic participation in FY184 SHAREHOLDERS5 >500,000 Retail & Institutional shareholders $3.6b cash profit reported 124.8 cents earnings per share 80 cents per share fully franked dividend announced for 1H19 12.0% return on average ordinary shareholders equity All financial metrics are as at 31 March 2019 (P&L growth metrics for the half year ended 31 March 2019) unless otherwise stated. 1. Peter Lee Associates Large Corporate and Institutional Transactional Banking surveys, Australia and New Zealand 2004-2018. 2. Measures representation at the Senior Manager, Executive and Senior Executive Levels. Includes all employees regardless of leave status but not contractors (which are included in FTE) 3. Figure includes foregone revenue of $107 million. 4. Through our initiatives to support financial wellbeing including financial inclusion, employment and community programs, and targeted banking products and services for small businesses and retail customers. 5. On a cash profit continuing operations basis. ANZ 28
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