2017
3rd Quarter Trading Update& APS330 Pillar 3
Investor discussion pack

AUSTRALIA AND NEW ZEALAND
BANKING GROUP LIMITED
15 August 2017

G R O U P F I N A N C I A L H I G H L I G H T S - P R O F I TA B I L I T YGroup Net Interest Income / Credit RWA1Institutional Markets Income%$m
5.5

800

5.06004.5682419481513

400

4.02003.50

3.0
2.5-200
1H16

2H16

1H17

3Q17

1H16
Qtrly avg

Adjusting for APRA regulatory changes to housing CRWAsSales

Net interest income / CRWAs2H16
Qtrly avg

Trading

1H17
Qtrly avg

Balance Sheet

Profit Before Provisions (Cash basis)

Net Profit After Tax (Cash basis)$b$b2.43

1H16
Qtrly avg

1.

2.66

2.78

2.79
1.39

2H16
Qtrly avg

1H17
Qtrly avg

3Q17

1H16
Qtrly avg

1.55

2H16
Qtrly avg

3Q17

Val’n adj.

1.71

1.79

1H17
Qtrly avg

3Q17

Excluding Markets income

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GROUP FINANCIAL HIGHLIGHTS – BALANCE SHEET

Total Credit RWAs & Exposure at Default (EAD)$b$b917913899356

Credit RWA

7010405

Credit
RWAOp
RWA

IRRBB
RWA

MktRWA

Jun-17397348342

Dec-16

Mar-17

Jun-17Mar-17

EAD

Credit Risk Weighted Assets – 3Q171

Credit Risk Weighted Assets – 3Q171

$b$b
7.7

349.5

2.2-0.4
341.8

Mar-17

1.

Total Risk Weighted Assets – 3Q17

Mort. Adj. for
model
Mort.
changes modelchanges

FXRisk

7.7

348.5-2.7-0.1

Growth

Other

341.8

Jun-17Mar-17

349.5

1.5

0.5

348.5

Mort. Adj. for Resi.
Corp. Sovereign Other
model
Mort. Mortgage& Bankschanges ModelchangesJun-17-2.5-0.5

Increase in Risk Weighted Assets was impacted by model changes to Australia Residential Mortgage risk weighted assets (new ANZ mortgage capital models approved by APRA asnoted in ANZ news release of 1 June 2017)

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GROUP FINANCIAL HIGHLIGHTS – BALANCE SHEETNon Housing credit RWAs & EAD1

Institutional RWA$b$b555

538-8.1%

543
198

267

253

Dec-16
Credit RWA

-5.4%

-1.9%

182

168

159

156

Mar-16

Sep-16

Mar-17

Jun-17250

Mar-17

Sep-15Jun-17

EAD

Total Housing Credit RWA & EAD2$b-7.7%

362

Aus. Household Lending Growth3370361

ANZ growth x System (System = 1)

1.5

Owner Occupied
Investor

1.3x system
0.8x system

1.089

89

98

0.5
0.0

Dec-16

Credit RWA
1.
2.
3.

Mar-17

EAD

Jun-17

Sep 15
Half Yr
ANZMar 16
Half Yr

Sep 16
Half Yr

Mar 17
Half Yr

June 17Quarter

SystemNon Housing based on APS330 Pillar 3, all Credit RWA categories excluding Residential Mortgage category
Housing based on APS330 Pillar 3 Residential Mortgage category. Increase in Risk Weighted Assets was impacted by model changes to Australia Residential Mortgage risk weighted
assets (new ANZ mortgage capital models approved by APRA as noted in ANZ news release of 1 June 2017)
Source: ANZ analysis of APRA monthly banking statistics

4C R E D I T Q U A L I T Y & C A P I TA L

Total Provision Charge - Financial year to date

Individual Provision Charge
$m$m

1,939

2,000

437

1,500

1,167

1,144

1,095

1,110

283

243

1,000

462
325

500
0
FY13

FY14

4th quarter IP charge

FY15

FY16

FY17 YTD(June)First 3 quarters (YTD June) IP charge308-42-25-65

Dec-16

Mar-17

Jun-17

Individual Provision Charge

Collective Provision Charge

Capital (CET1)

Gross Impaired Assets
$b%
0.5

4.26

9.6

Sep-13

~0.7

10.1
2.89

2.72

Sep-14

Sep-15

3.17

Sep-16

2.95

Jun-17

Sep-16 Mar-17

~10.5

9.8

-0.6

-0.2

Net Dividend Other Jun-17 Announced Jun-17
divestments Proorganic(incl.
yet to settle forma
capitalMortgagegeneration
modelchanges)

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F U R T H E R I N F O R M AT I O NDISCLAIMER & IMPORTANT NOTICE: The material in this presentation is general background information
about the Bank’s activities current at the date of the presentation. It is information given in summary form anddoes not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors
and does not take into account the investment objectives, financial situation or needs of any particular investor.
These should be considered, with or without professional advice when deciding if an investment is appropriate

Our Shareholder information

This presentation may contain forward-looking statements including statements regarding our intent, belief orcurrent expectations with respect to ANZ’s business and operations, market conditions, results of operations
and financial condition, capital adequacy, specific provisions and risk management practices. When used in thispresentation, the words “estimate”, “project”, “intend”, “anticipate”, “believe”, “expect”, “should” and similar
expressions, as they relate to ANZ and its management, are intended to identify forward-looking statements.
Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as ofthe date hereof. Such statements constitute “forward-looking statements” for the purposes of the United States
Private Securities Litigation Reform Act of 1995. ANZ does not undertake any obligation to publicly release theresult of any revisions to these forward-looking statements to reflect events or circumstances after the datehereof to reflect the occurrence of unanticipated events.

shareholder.anz.com

Equity Investors

Jill Campbell

Cameron Davis

Katherine Hird

Group General Manager Investor Relations+61 3 8654 7749
+61 412 047 448
jill.campbell@anz.com

Executive Manager Investor Relations+61 3 8654 7716
+61 421 613 819
cameron.davis@anz.com

Senior Manager Investor Relations+61 3 8655 3261
+61 435 965 899
katherine.hird@anz.com

Retail Investors

Debt Investors

Michelle Weerakoon

Scott Gifford

Mary Karavias

Manager Shareholder Services & Events+61 3 8654 7682
+61 411 143 090
michelle.weerakoon@anz.com

Head of Debt Investor Relations+61 3 8655 5683
+61 434 076 876
scott.gifford@anz.com

Associate Director, Debt Investor Relations+61 3 8655 4318
+61 421 865 953
mary.karavias@anz.com

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