Investor Presentaiton

PIVOTING INVESTMENT FOR GROWTH EXPENSES¹ CHANGE THE BANK $b 0.6 1.3 ~1.0 0.9 FY152 FY20 FY21 FY23 (Exit rate) ambition RUN THE BANK $b 8.2 TOTAL INVESTMENT SPEND BY CATEGORY FY21 7% 47% 7.7 7.4 ~7.0 FY152 FY20 FY21 FY23 (Exit rate) ambition FY21 $1.8b ~80% EXPENSED 22% 24% Up from 18% of spend in FY20. Growth examples incl. ANZX Sustainability GoBiz 1835i Platforms Growth Productivity & Simplification Regulatory, Compliance & Risk Asset Lifecycle Management 1. 2. Cash continuing excluding Large / Notable items. Prior periods restated to reflect current management classification between BAU and Investment Expensed Pro-Forma view adjusts the original metric reported in FY15 to reflect comparable accounting policies and continuing organisational structure as the FY21 results * This page may contain forward-looking statements or opinions. Please refer to ANZ's Disclaimer and Important Notice with respect to such statements on page 1 ANZ 15

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