Investor Presentaiton

ANZ 2023 Half Year Results CAPITAL & LIQUIDITY FRAMEWORK¹ RBNZ Capital Framework Fundamental Review of the Trading Book (incl. Counterparty Credit Risk) Interest Rate Risk in the Banking Book Loss Absorbing Capacity (LAC) First Half CY2023 Second Half CY2023 CY2024 Implementation Date Transition Consultation Finalise Recovery and Resolution planning Finalise Liquidity Groups Regulation: roadmap for review Transition 2028 Consultation 2026 Consultation Finalise 1. Timeline is based on calendar year and is largely based on APRA's 2023 Information Paper - APRA's Policy Priorities (published February 2023) 2025 2026 2024 2025 Consultation 2025 (TBC) 108

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