Investor Presentaiton

ANZ 2023 Half Year Results THE WORLD IS BEING SHAPED BY MAJOR TRENDS Major trends Challenges arising . Greater demands on government, more government debt • • Resilient corporate balance sheets • Heightened community expectations of business and government Government fiscal prioritisation Changing political structures • Funding requirements (energy transition, infrastructure, defense) • More complex domestic and global politics Advances in technology and the advent of Al • Competition for resources keeping asset prices and inflation high • Rapid changes to workforce composition Intergenerational wealth transfers · Higher interest rates for longer • Acceleration of climate change, biodiversity and sustainability • • Ageing population · • Housing affordability Hyper connectivity leads to faster and amplified reactions to events 16

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