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PORTFOLIO PERFORMANCE DRIVING BENEFITS FROM DIVERSIFICATION FY21 v FY201 Risk Adjusted Margins Profit Before Provisions Institutional Australia R&C² New Zealand (NZD) Institutional +13bps +43bps +18bps ex Markets +2bps +2% +12% -23% -3% Cash Profit after tax +57% +41% Flat +76% Risk Weighted Assets -2% +4% -8% -3% Return on Risk Weighted Assets³ +91bps +59bps +10bps +50bps Net Loans and Advances +1% +7% Flat +5% Customer Deposits +8% +4% +7% +7% 1. Cash continuing ex Large / Notable items 2. Retail & Commercial 3. Cash Profit after tax as a % of avg Risk Weighted Assets ANZ 7

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