Investor Presentaiton

ANZ 2023 Half Year Results PROVISION BALANCE Collective Provision balance, $m Expected Credit Loss (ECL) scenarios, $m 7,314 4,040 3,853 Additional 817 727 overlays Scenario 1,407 1,376 & weights 100% Base case 1,750 1,816 1,816 1,315 3,272 Probability weighting 0% 45% 40% 15% Sep 22 Mar 23 100% upside 100% 100% base case downside 100% severe Australia peak impact of economic scenarios¹ Base case Downside Severe Unemployment 4.4% 6.9% 10.5% Peak next 2 years Residential -16% -23% -45% Property prices Peak to trough drop² GDP 1.2% -1.1% -2.8% Lowest over 3 years Basis: Cash Profit continuing operations 1. 2. The Downside Scenario is specified in terms of an index of economic stress. The economic variables shown represent a characterisation of the scenario to facilitate comparison Peak based on June 2022 quarter 34

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