Australia and New Zealand Banking Group Ltd. — Interim / Quarterly Report 2017

May 1, 2017

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2017 FIRST HALF FINANCIAL RESULT

BUILDING A BETTER BANK

FOUR STRATEGIC PRIORITIES

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Creating a simpler, better balanced bank

Focusing on areas Building a superior everyday Driving a purpose and where we can win experience for our customers values led transformation and our people

KEY FINANCIAL MEASURES

$3.4b Cash Profit +23%

117c Cash Earnings per Share

80c

Dividend per Share

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----- Start of picture text ----- BETTER BALANCEDPORTFOLIO10.1%CET1 Capital+32 bpsCAPITALALLOCATION11.8%Cash Returnon Equity+210 bpsWealthRetailla &Cn oitouti emmts rn icI laAU&NZ----- End of picture text -----

SUPPORTING OUR STAKEHOLDERS

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We will pay $2.3b in dividends to shareholders and $1.4b in tax

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

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

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.

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RETAIL AND COMMERCIAL

Australia

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----- Start of picture text ----- 60% of our Delivering more 81% of valuecustomers are services through transactions aredigitally active, up online channels, with completed via digital,from 54% in 2014 digital sales up 24% up from 71% in 2014A STRONG BANKIN AUSTRALIATO SUPPORT 232,000 $198b $337bOUR RETAIL AND Net customer growth Deposits Customer lendingCOMMERCIAL +$13b +7% +$15b +5%CUSTOMERS$1.8b $4.7b $1.7bCash Profit Revenue Expenses+2% +1% FlatNew Zealand1.3m digitally Delivering more 80% of valueactive services through transactions arecustomers online channels, with completed viadigital sales up 12% digital60,000 $81b $115bDeposits Customer lending A STRONG+$6b +8% +$5b +4% BANK IN NEWZEALAND TOSUPPORT OURRETAIL ANDCOMMERCIALCUSTOMERS$717m $1.7b $636mCash Profit Revenue Expenses+2% +1% FlatNet customer growth----- End of picture text -----

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.

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GLOBAL INSTITUTIONAL BANKING

SIMPLIFYING AND TRANSFORMING OUR BUSINESS, DELIVERING SOLUTIONS FOR OUR LARGE CORPORATE AND INSTITUTIONAL CLIENTS DRIVEN BY TRADE AND CAPITAL FLOWS

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13% reduction in risk-weighted assets - that’s $23b

75bps improvement in returns (revenue per risk-weighted asset)

Cost to income ratio down 890bps to 46.8%

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#1 in Australia and New Zealand for overall market and lead penetration and the quality of service[1]

Top 4 corporate bank in Asia for the 5th consecutive year[2]

Cross-border flow represents 33% of total revenue

$1b

Cash Profit +61%

$2.9b

Revenue +8%

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----- Start of picture text ----- $1.4b----- End of picture text -----

Costs -9%

SUPPORTING THE TRANSITION TO A LOW CARBON ECONOMY

$5b

funded and facilitated in low carbon and sustainable solutions

$10b Pledge

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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