Investor Presentaiton

INSTITUTIONAL DIGITAL PLATFORMS PROVIDES SCALABLE OPERATING LEVERAGE, CAPITAL LIGHT 100 PAYMENTS¹ Indexed data² +5% 105 RECEIVABLES DATA¹ +24% 130 100 Indexed data +24% 124 NPP AGENCY PAYMENTS¹ Indexed data² +112% 988 +10% 137 +367% 467 PLATFORM CASH MGT ACCOUNTS¹ Indexed data +120% 220 100 +141% 530 FY19 FY20 FY21 Payments made by customers to their suppliers and employees through our digital channels Covers payments initiated via Web & Mobile, direct integration with ANZ or via agency agreements whereby ANZ clears payments on behalf of other banks FY19 FY20 FY21 Used by customers to automatically reconcile incoming payments, allowing them to receive funds and have them ready to use as quickly as possible Improves customer cash flow efficiency, Liquidity and Treasury management 100 FY19 FY20 FY21 A service whereby ANZ clears and settles real-time payments for customers of Appointer banks on their behalf Powering other banks' customers with real-time payments FY19 FY20 FY21 Deposit management for entities holding funds on behalf of their clients Supporting CX in provision of client money accounts to activate services/transactions DIGITAL SELF SERVICE TRADE STP API CALLS INCIDENTS PER MILLION PAYMENTS In Q4, eStatement and International Payments Tracking capability saved customers 6.5k hours of time they would otherwise spend enquiring via email or phone. Also enabled online chat within channel and seamless authentication of online users when they needed to call us Over 99% of Trade payments processed without the need for human intervention Modern integration, delivering real-time event-driven analytics for improved decision-making, and fast payments for improved cash flow efficiency 0.02 incidents per million payments for FY21 (down from 0.04 in FY20), continuing to deliver quality and resilient payment platforms for customers despite growing volumes PLATFORM INITIATIVES ARE ENABLING ADDITIONAL REVENUE OPPORTUNITIES WITHIN ANZ PAYMENTS & CASH MANAGEMENT 1. Indexed to FY19 (at 100) 2. Based on number of payments ANZ 71

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