Australia and New Zealand Banking Group Ltd. — Interim / Quarterly Report 2015

Aug 17, 2015

~~2015~~

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Risk Weighted Asset movement

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Total Risk Weighted Assets – 9mths YTD Total Risk Weighted Assets – 3Q15
June 15 vs September 14 June 15 vs March 15
($b) 28.3 0.9 ($b)
384.0 386.9
6.6 0.2
361.5
0.8 384.0
2.5
0.5
0.7
Sep-14 Credit Op IRRBB Mkt Jun-15 Mar-15 Credit Op IRRBB Mkt Jun-15
RWA RWA RWA RWA RWA RWA RWA RWA
Credit Risk Weighted Assets – 9mths YTD Credit Risk Weighted Assets – 3Q15
June 15 vs September 14 June 15 vs March 15
($b) ($b)
1.6
9.3 337.2 1.7
3.3 339.7 0.3
17.8
308.9 337.2
2.1 6.1
Sep-14 Risk Growth Portfolio FX Jun-15 Mar-15 Risk Growth Portfolio FX Jun-15
data data
review review
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($b) 28.3 0.9
384.0
6.6 0.2
361.5
Sep-14 Credit Op IRRBB Mkt Jun-15
RWA RWA RWA RWA
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This document should be read in conjunction with ANZ Basel III, Pillar 3 disclosures (APS 330: public disclosure). Available at www.anz.com/shareholder

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2

Provision charges and impaired assets

Individual Provision charge

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($m)
2,000
1,637
1,500
1,213 1,167 1,144
1,000
500 750
0
FY11 FY12 FY13 FY14 FY15 YTD
(June)
4th quarter IP charge
First 3 quarters (YTD June) IP charge
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Net impaired assets by division

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($m)
5,000
3,884
4,000
3,423
2,797
3,000
2,000 1,713 1,721
1,000
0
Sep 11 Sep 12 Sep 13 Sep 14 Jun 15
Aus Division NZ Division IIB Other
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Collective provision charge

Gross impaired assets by size

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($m)
1,000
500
127
8 30
0
-155
-500 -379
-1,000
FY11 FY12 FY13 FY14 FY15 YTD
(June)
First 3 quarters (YTD June) CP charge
Full Year CP charge
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($m)
6,000 5,581
5,196
5,000
4,264
4,000
2,889 2,805
3,000
2,000
1,000
0
Sep 11 Sep 12 Sep 13 Sep 14 Jun-15
<$10m $10-$100m >$100m
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This document should be read in conjunction with ANZ Basel III, Pillar 3 disclosures (APS 330: public disclosure). Available at www.anz.com/shareholder

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3

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 and does 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

This presentation may contain forward-looking statements including statements regarding our intent, belief or current 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 this presentation, 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 of the 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 the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events.

For further information visit

www.anz.com

or contact ANZ Investor Relations

Jill Craig Group General Manager Investor Relations

ph: (613) 8654 7749 fax: (613) 8654 9977 e-mail: jill.craig@anz.com

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