2017 FIRST HALF FINANCIAL RESULTBUILDING A BETTER BANKFOUR S TRATEGIC PRIORITIESCreating a simpler,better balanced bank

Focusing on areas
where we can win

Building a superior everyday
experience for our customers
and our people

Driving a purpose andvalues led transformation

KEY FINANCIAL MEASURES
BETTER BALANCEDPORTFOLIO$3.4b
Cash Profit+23%

naltitutioIns

NZ

80c

CAPITAL
ALLOCATIONDividend per Share&Cash Earnings
per Share

CET1 Capital+32 bpsail & CommercRetialAU

117c

10.1%

althWe11.8%

Cash Returnon Equity+210 bps

SUPPORTING OUR STAKEHOLDERS

We will pay $2.3b
in dividends toshareholders and$1.4b in tax

We’ve helped Australians and New Zealanders
buy and own their homes and start and run theirbusinesses and currently provide $320b in
home lending and $105b in business lending

All financial figures within this document are presented on Cash basis in Australian Dollars
except for New Zealand (in NZD).
Growth rate and basis point (bps) movement compare First Half 2017 to First Half 2016 unlessotherwise stated.

Almost 500,000 people reached
to our financial inclusion
programs, MoneyMinded andSaver Plus since 2003

RETAIL AND COMMERCIAL

Australia

A STRONG BANKIN AUSTRALIATO SUPPORTOUR RETAIL AND
COMMERCIALCUSTOMERS

81% of valuetransactions arecompleted via digital,
up from 71% in 2014

Delivering more
services throughonline channels, withdigital sales up 24%

60% of ourcustomers are
digitally active, up
from 54% in 2014

232,000
Net customer growth$1.8b

Deposits+$13b +7%

$4.7bCash Profit+2%

$337b

$198b

Customer lending+$15b +5%

$1.7b

Revenue+1%Expenses
FlatNew Zealand
Delivering more
services throughonline channels, withdigital sales up 12%

1.3m digitally
activecustomers

60,000Net customer growth

Cash Profit+2%

$115b

$81b
Deposits+$6b +8%$717m

80% of valuetransactions arecompleted via
digitalA STRONG
BANK IN NEWZEALAND TOSUPPORT OURRETAIL AND
COMMERCIALCUSTOMERS

Customer lending+$5b +4%$1.7b
Revenue+1%

All financial figures within this document are presented on Cash basis in Australian Dollars
except for New Zealand (in NZD).
Growth rate and basis point (bps) movement compare First Half 2017 to First Half 2016 unlessotherwise stated.

$636mExpensesFlatGLOBAL INSTITUTIONAL BANKINGSIMPLIFYING AND TRANSFORMING OUR BUSINESS, DELIVERINGSOL UTIONS FOR OUR LARGE CORPORATE AND INSTITUTIONAL
CLIENTS DRIVEN BY TRADE AND CAPITAL FLOWS

13% reduction inrisk-weighted assets that’s $23b75bps improvement inreturns (revenue perrisk-weighted asset)

Cost to income ratio
down 890bps to46.8%#1 in Australia and New
Zealand for overall market
and lead penetration and thequality of service1Top 4 corporate bankin Asia for the 5thconsecutive year2

Cross-border flow
represents 33% of total
revenue

$1b

$2.9b

$1.4b

Cash Profit+61%

Revenue+8%

Costs
-9%

SUPPORTING THE TRANSITION TO A LOW CARBON ECONOMY$5bfunded and facilitatedin low carbon andsustainable solutions$10bPledge

All financial figures within this document are presented on Cash basis in Australian Dollars except for New Zealand(in NZD).
Growth rate and basis point (bps) movement compare First Half 2017 to First Half 2016 unless otherwise stated.
1. Peter Lee Associates 2016 Large Corporate and Institutional Relationship Banking
surveys, Australia and New Zealand; ranked against the Top 4 competitors. Service quality
based on Relationship Strength Index (RSI) where ANZ is ranked #1 for this measure.
2. Greenwich Associates 2016 Asian Large Corporate Banking Study: =No.4 in 2016