Investor Presentaiton

ANZ 2023 Half Year Results NEW ZEALAND DIVISION - CONTRIBUTION & PROFIT DRIVERS Contribution (Mar 23), NZDb 128 25 103 Cash Profit drivers (Mar 23), NZDm Net Interest Income +$47m 105 37 19 10 1.9 822 0.2 86 1.7 -22 | w 842 -1 -7 Net Loans & Advances Customer Deposits Total Income (1H23) 2H22 Volume Margins Other Expenses Provisions Tax 1H23 Cash Business Personal Net interest income Other operating income Profit Operating Income Cash Profit NZ Division¹ Income 1H23 v 2H22 1H23 v 1H22 Income¹ 1H23 v 2H22 +1% Net Interest Income +14% +3% 1H23 v 1H22 +20% Expenses 0% -1% Other Operating Income -9% -17% NLA¹ 1H23 v 2H22 1H23 v 1H22 Profit Before Provisions +2% +25% Home Loans² Cash Profit +2% +13% Net Loans & Advances (NLAs) 0% +3% Customer Deposits 0% 0% Total Customers +37k +49k Business Loans³ Deposits Term Deposits Transact/Savings 0% -2% +1% +8% 1H23 v 2H22 1H23 v 1H22 +9% +23% -5% -10% Basis: Continuing Operations including Large / Notable items 1. During 2H22 Business was re-segmented for large Agri customers; 1H22 not restated 2. Housing includes business loans secured by residential properties 3. Business excludes business loans secured by residential properties, includes Agri lending 85

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