ESG PRESENTATION

SUPPORTING OUR CUSTOMERS RETAIL Home loans with deferred repayments (% of Home loan portfolio, July 2020) 9% COMMERCIAL ~22,000 business loans with deferred repayments (Australia, deferrals by industry by % of EAD July 2020) Commercial Property & Construction Other Industries 19% 26% 6% ~84,000 home loans ~24,000 home loans Health & 9% Community Services Australia NZ 10% 18% Accom. Cafes & Restaurants Agriculture, Forestry 4% & Fishing 14% Retail Trade Other Property & Business Services ANZ 11

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