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ANZ 2023 Half Year Results INSTITUTIONAL - REGIONAL SUMMARY Australia & PNG New Zealand International Customer Franchise Revenue', $m Customer Franchise Revenue', $m Customer Franchise Revenue', $m 1,170 1,326 1,212 1,315 1,419 463 1,214 355 387 412 425 873 719 707 668 529 504 561 653 689 174 201 224 271 542 478 219 395 352 250 658 683 710 754 766 136 213 211 201 192 324 нн нн нн 292 355 395 481 2H19 2H21 1H22 2H22 1H23 2H19 2H21 1H22 2H22 1H23 2H19 2H21 1H22 2H22 1H23 Lending Non lending Lending Non lending Lending Non lending Returns Returns Returns 4.0% 3.8% 4.0% 3.4% 2.9% 3.1% 3.1% 3.3% 3.4% 2.9% 2.4% 2.6% 2.6% 2.2% 2.5% 1.2% 1.3% 1.4% 1.7% 1.8% 1.9% 2.0% 1.7% 1.6% 1.1% 1.0% 0.9% 0.4% 0.5% 0.3% 2H19 2H21 1H22 2H22 1H23 2H19 2H21 1H22 2H22 1H23 2H19 2H21 1H22 2H22 1H23 Return/Avg RWA² Margins³ Revenue/Avg RWA Return/Avg RWA² Revenue / Avg RWA Return/ Avg RWA² Revenue / Avg RWA Margins³ Margins³ 263 253 230 222 292 21 332 355 263 287 231 271 275 14 188 173 147 156 358 261 нн 2H19 2H21 1H22 2H22 1H23 2H19 2H21 2H19 1H22 2H22 1H23 2H21 1H22 2H22 1H23 Regulatory Change Average Credit Risk Weighted Assets (CRWA), $b Regulatory Change Average Credit Risk Weighted Assets (CRWA), $b Regulatory Change Average Credit Risk Weighted Assets (CRWA), $b 81 82 84 88 86 нн 2H19 2H21 1H22 2H22 1H23 Basis: Continuing Operations including Large / Notable items 1. Excludes: Balance Sheet Trading and Derivative Valuation Adjustments 2. Return: Cash profit divided by average Risk Weighted Assets 3. Institutional ex-Markets Net Interest income divided by average Credit Risk Weighted Assets 17 21 20 19 19 58 56 50 60 60 нн нн 2H19 2H21 1H22 2H22 1H23 2H19 2H21 1H22 2H22 1H23 96

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