Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA RETAIL - CONTRIBUTION AND PROFIT DRIVERS Contribution (Mar 23), $b 301 156 295 Cash Profit drivers (Mar 23), $m Net Interest Income +$197m 0 102 44 95 1,072 16 1,026 -72 -89 3.3 -98 0.3 112 3.0 Net Loans & Advances Customer Deposits Total Income (1H23) 2H22 Volume Margins Other Expenses Provisions Tax 1H23 Cash Home Loans Cards, Personal Loans & Other Deposits Offset Net interest income Profit Operating Income Cash Profit Other operating income Total Retail 1H23 v 2H22 1H23 v 1H22 Income Income +4% +11% Net Interest Income Other Operating Income 1H23 v 2H22 +7% -20% 1H23 v 1H22 +12% +4% Expenses +5% +0% NLA 1H23 v 2H22 1H23 v 1H22 Profit Before Provisions +2% +26% Home Loans Cash Profit -4% +9% Credit Cards & Personal Loans +4% -1% +6% -3% Net Loans & Advances (NLAs) +4% +6% Customer deposits 1H23 v 2H22 1H23 v 1H22 Customer Deposits +4% +6% Term Deposits +71% Total Customers +42k +112k Transact/Savings¹ -4% +92% -3% Basis: Continuing Operations including Large / Notable items 1. Includes Home Loans offset accounts 78

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