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Investor Presentaiton

AUSTRALIA HOUSING PORTFOLIO COMPOSITION Net Loans & Advances $b 281 275 278 269 265 2% 264 2% 2% 3% 3% 8% 2% 8% 8% 2% 2% 12% 10% 8% 3% 4% 6% 5% 22% 22% 22% 21% 19% 20% HOME LOAN BALANCE & FLOWS $b 281 7 25 -2 FINANCIAL PERFORMANCE 278 -33 +20 Average of prior 3 halves +7 +7 -28 65% 66% 67% 60% 62% 64% Mar 21 New Sales Net OFI Refi excl. Refi-In Redraw & Interest Repay / Other Sep 21 Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 OO P&I Inv P&I OO I/O Inv I/O Equity Manager HOME LOAN ACTIONS • Increased operations staff to support assessment Streamlining origination process to reduce handling time Progressing work on digitisation & automation ANZ 26

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