ESG PRESENTATION

CUSTOMER REMEDIATION CUSTOMER REMEDIATION CUMULATIVE CUSTOMER REMEDIATION CONTINUING OPERATIONS CONTINUING & DISCONTINUED OPERATIONS 485 PRE TAX $m PRE TAX $m 119 1,832 1,579 546 422 928 753 256 352 29 181 1,157 1,286 153 220 51 572 672 86 1H17 2H17 1H18 2H18 1H19 2H19 1H20 1,401 POST TAX $m 1,216 428 110 334 657 534 337 127 180 882 973 129 40 112 157 407 477 100 -22 1H17 2H17 1H18 2H18 1H19 2H19 1H20 22 19- 67 156 42 13 35 36 Discontinued (Wealth businesses) Continuing operations 71 Balance Sheet¹ 1. 1H18 2H18 Net interest income 36 1H19 2H19 1H20 Expenses Other operating income $1,094m provisions on Balance Sheet at Mar-20 ($1,139m at Sep-19) Includes provisions for expected refunds to customers, remediation project costs and related customer and regulatory claims, penalties and litigation outcomes ANZ 34

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