#115 December 2022 Market Announcements Office ASX Limited Level 4 20 Bridge Street SYDNEY NSW 2000 ANZ 2022 Annual General Meeting - Presentation Australia and New Zealand Banking Group Limited (ANZ) today released its 2022 Annual General Meeting Presentation. It has been approved for distribution by ANZ's Continuous Disclosure Committee. Simon Pordage Company Secretary Australia and New Zealand Banking Group Limited Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ANZ Centre Melbourne, Level 9A, 833 Collins Street, Docklands VIC 3008#2ANZ CITY ADELAIDE CONVENTION CENTRE ANNUAL GENERAL MEETING > 2022 T#3KATHRYN VAN DER MERWE > Group Executive Talent & Culture and Service Centres ANZ#4ANZ ONLINE MEETING GUIDE Available at anz.com/AGM ONLINE MEETING GUIDE for the Annual General Meeting and Scheme Meeting being held on Thursday, 15 December 2022 PARTICIPATION ON THE DAY Before you begin ensure your browser is compatible. You can easily check your current browser by going to the website: whatismybrowser.com Supported browsers are: Chrome Firefox > Safari Edge The Meetings are viewable from desktops, laptops and handheld/mobile devices. ONLINE If you choose to participate online you will be able to view a live webcast of the Meetings, ask the Directors questions online and submit your votes in real time. To participate online visit https://meetnow.global/ANZ2022 on your smartphone, tablet, or computer. You will need the latest versions of Chrome, Safari, Edge or Firefox. Please ensure your browser is compatible. ONLINE FROM ANYWHERE To log in, you must have the following information: AUSTRALIAN RESIDENTS SRN or HIN and postcode OVERSEAS RESIDENTS SRN or HIN and country APPOINTED PROXIES Please contact Computershare Investor Services on BROADCAST The webcast will appear automatically once the Meetings have started. If the webcast does not start automatically press the play button and ensure the audio on your computer or device is turned on. Broadcast MR JOHN CITIZEN Q&A Broadcast VOTE When the Chairman declares the poll open, select the Vote' icon and the voting options will appear on your screen. To vote, select your voting direction. A tick will appear to confirm receipt of your vote. To change your vote, select 'Click here to change your vote' and press a different option to override. Vote Q & A Documents Broadcast Vote Q & A Documents 500 Votes Items of Business Clip Slides of your registered address of your registered address +61 3 9415 4024 to request your unique email invitation link prior to the meeting day To ask a question select the 'Q & A' icon, select the topic your question relates to. Type your question into the chat box at the bottom of the screen and press 'Send' To ask a verbal question, follow the instructions on the FAQ document. Q Q & A To participate at the Meetings To participate in the online Meetings, visit http://meetnow.global/ANZ2022 and click on the JOIN MEETING NOW button. JOIN MEETING NOW To register as a shareholder Select 'Shareholder, enter your SRN or HIN and select your country. If Australia, also enter your postcode. (OR) To register as a Proxyholder To access the Meetings click on the link in the invitation e-mail sent to you. Or select 'invitation' and enter your invite code provided in the e-mail. OR To register as a guest Select 'Guest' and enter your details. Shareholder Invitation Guest Shareholder Invitation Guest Shareholder Invitation Guest Broadcast Vote Q&A Documents Your questions(s) If you are a shareholder or an appointed corporate representative. please enter the required details below. SRNIN X45 Country Audra Post Code 12 If you have received an email invitation for this meeting, please enter your invite code below. wite Code Enter your invite code eg G-ABCDEFG ARCO SIGN IN If you would like to attend the meeting as a Guest please provide your details below. Last Name You may enter a question using the field below. 3 Adoption of Remuneration Report ▼ Enter your question here SIGN IN Company Name SIGN IN anz.com Send 24 character(s) 2A Re-elect Mr John Brown as a Director FOR AGAINST ABSTAIN 2B Re-elect Mr Peter Nolan as a Director FOR AGAINST DOCUMENTS To view documents relating to the Meetings select the 'Documents' icon and choose the document you wish to view. ABSTAIN Vote Documents Broadcast Vote Q&A Documents Notice of Meeting Online User Guide FOR ASSISTANCE If you require assistance before or during the Meetings, please call +61 3 9415 4024. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357522#5PAUL O'SULLIVAN > Chairman ANZ#6FY22 Statutory Profit After Tax > 7.12 billion up 16% year on year ANZ#7> FY22 Total Dividends Per Share 146 cents Fully Franked ANZ#8> APRA LEVEL 2 COMMON EQUITY TIER 1 RATIO % 11.5 12.3 ~11.1 ~-1.2 Mar 22 Sep 22 Suncorp Bank Acquisition Sep 22 Pro forma ANZ#9> > ANZ PLUS 9:41 a BB Everyday Savings wall = nding Edit Everyday Funds $1,866.92 Spending (30 days) $2,638.61 Last 30 Days Money In & Out Upcoming Next 30 days day 30 Days V ard HOP Savings 2.38 sort See where your money goes Spending broken down into categories to manage your budget $1,266.53 48% 1693 Rates Controls $496.27 Save for a Home help? $949.90 36% +$1,739.90 $146.50 Today e Wallet Officeworks $133.00 $263.86 10% Shopping 1,698.00 $158.32 awals 7-Eleven $13.50 g 6% Travel O C Card Support rd Money Payments and goals 1 Migney Payments Cand $26.39 R Support schedules 50.00 回 Expenses er controls Support Card Patents g Support g Support Set a goal to help you reach it Set and track up to 99 goals within your ANZ Save account 2 $18,622.38 Savings J Dream Home 5102.73 55895.00 Trip to F $3,000.00 ANZ#10> 1. SUNCORP BANK ACQUISITION PROVIDES INCREASED SCALE & DIVERSIFICATION Total Aus. Retail & Commercial Gross Loans & Advances¹ ↑ 17% ANZ Australia Business Lending¹ ↑ 20% ANZ Australia Mortgages¹ ↑ 17% ANZ SUNCORP SUNCORP SUNCORP Australia Retail Deposits¹ ↑ 22% ANZ SUNCORP Percentage increase in the size of ANZ's Retail & Commercial portfolios based on the combined businesses (ANZ Australia Retail & Commercial and Suncorp Bank) as disclosed in ANZ's 'Acquisition of Suncorp Bank and Equity Raising Investor Discussion Pack' of 18 July 2022 ANZ#11CLIMATE CHANGE First Australian bank to align disclosures with the Task Force of Climate-related Financial Disclosures First Australian bank to join Net Zero Banking Alliance First bank to issue a Sustainable Development Goal bond in Australia First Australian bank to engage with our 100 largest emitting business customers ANZ#1217 ^#13SHAYNE ELLIOTT > Chief Executive Officer ANZ#14Brewing an historic relationship Coopers Congratulations on celebrating 160 years and thank you for your partnership From the ANZ Tenn ANZ "A relationship like that has to be built on trust and good character. And they are certainly qualities you associate with the Cooper family." ANZ#15> FY22 GROUP FINANCIAL RESULTS FY22 vs FY21 Statutory profit, $ million 7,119 +16% Cash profit (continuing operations)¹, $ million 6,515 +5% Return on equity¹, % 10.4 +47bps Earnings per share - basic¹, cents 228.8 +6% Dividend per share - fully franked, cents 146 +4 cents NTA per share, $ 20.75 -34 cents 1. Cash profit (continuing operations includes the impact of Large / Notable items, excludes discontinued operations) ANZ#16NEW ZEALAND > MARKET POSITION Housing lending Business Lending Agri lending Funds Management 30.5% ANZ Rest of Market Rest of Market Source: RBNZ dashboard. Lending as at Aug 22, Funds Mgt (KiwiSaver) as at Jun 22 22.1% ANZ 25.3% ANZ Rest of Market Rest of Market 19.7% ANZ ANZ#17ANZ PLUS > TOTAL DEPOSIT BALANCE (2022), $m TOTAL CUSTOMERS (2022), '000s 2,250 105 2,000 90 1,750 75 1,500 60 1,250 60 1,000 45 750 30 500 15 250 0 0 Mar Apr May Jun Jul Aug Sep Oct Nov Dec Mar Apr May Jun Jul Aug Sep Oct Nov Dec ANZ#18ANZ Plus ANZ & Plus ANZ PLS AINEY PUS#19SUNCORP BANK ACQUISITION Pre-completion ~12 months (from July 22) Solidifying growth ~3 years Conditions ACCC Queensland Government Migration and transformation Beyond Target Mid 2023 onwards Application for merger authorisation under Competition and Target: ACCC authorisation Consumer Act 2010 Engagement on the Metway Merger Act Target: Reform enactment Federal Treasurer Application for approval under the Financial Sector (Shareholdings) Act 1998 Target: Federal Treasurer's approval ANZ#20ANZ CITY ADELAIDE CONVENTION CENTRE ANNUAL GENERAL MEETING > 2022 T