Investor Presentaiton

2023 HALF YEAR RESULTS INVESTOR DISCUSSION PACK Note on reconciliation between the Consolidated Financial Report Dividend Announcement and Appendix 4E, Results Presentation and the Results Presentation & Investor Discussion Pack: During the September 2022 half, the Group revised its treatment of ongoing trail commission payable to mortgage brokers to recognise a liability within Payables and other liabilities equal to the present value of expected future trail commission payments and a corresponding increase in capitalised brokerage costs in Net loans and advances. This increase in balance is not reflected in the Investor Discussion Pack Housing portfolio and associated charts. The presentation of divisional results has been impacted by the following structural changes during the period. Comparative amounts for the prior two halves have been restated to reflect the below structural changes: Business Restructure - the non-banking businesses held in the Australia Commercial and Institutional divisions were transferred to the Group Centre division. As a result of this transfer, Group Centre division holds all interests in the ANZ Non- Bank Group. • • Corporate customer re-segmentation - certain business and property finance customers were transferred from the New Zealand division to the Institutional division to better align customer needs with the right support and expertise delivery. Cost reallocations - certain costs were reallocated across the Australia Retail, Australia Commercial, Institutional and Group Centre divisions. Note on rounding: Sum of parts within charts and commentary may not equal totals due to rounding

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