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AUSTRALIA RETAIL & COMMERCIAL LOANS & DEPOSITS - RETAIL LENDING COMPOSITION $b DEPOSIT COMPOSITION +5% -1% $b 288 141 279 274 272 282 7 284 6 134 135 117 121 123 23 19 21 10 9 14 15 16 8 33 27 27 28 36 39 269 265 275 281 278 31 29 26 24 20 16 264 45 49 53 57 58 63 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Home Loans Cards, Personal Loans & Other Savings Term Deposits Offset Transact MARKET SHARE¹ MONTHLY DEPOSIT TREND % 14.6 14.3 14.0 14.5 14.4 13.9 1. 18.1 18.2 18.1 18.2 18.1. 18.4 $b 145 140 135 130 12.5 12.5 12.6 12.5 12.5 12.5 125 120 115 Sep- Mar- Sep- 19 20 20 Mar- 21 Sep- 21 Housing Lending Credit Cards Household Deposits Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Aug-21 Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS) ANZ 62

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