Investor Presentaiton

ANZ 2023 Half Year Results NEW ZEALAND HOME LOANS - PORTFOLIO OVERVIEW Portfolio Flow Portfolio 1H21 1H22 1H23 1H22 1H23 1H21 1H22 1H23 Number of Home Loan Accounts 533k 540k 538k 31k 23k Average LVR at Origination 58% 56% 54% Total FUM NZD95b NZD103b NZD105b NZD14b NZD8b Average Dynamic LVR 37% 35% 39% Market Share² 30.6% 30.7% 30.1% Average Loan Size NZD179k NZD191k NZD194k NZD453k NZD352k % Low Doc³ 0.28% 0.24% 0.21% % Owner Occupied 74% 76% 76% 79% 81% Home Loan Loss Rates 0.00% 0.00% 0.00% % Investor 26% 24% 24% 21% 19% % of NZ Geography Lending 69% 70% 71% % Paying Variable Rate Loan¹ 11% 11% 11% 21% 23% % Paying Fixed Rate Loan¹ 89% 89% 89% 79% 77% % Paying Interest Only 18% 14% 12% 20% 18% % Paying Principal & Interest 82% 86% 88% 80% 82% % Broker Originated 42% 45% 48% 55% 57% 1. Flow excludes revolving credit facilities 2. 3. Source: RBNZ, market share at NZ Geography level Low documentation (Low Doc) lending allowed customers who met certain criteria to apply for a mortgage with reduced income confirmation requirements. New Low Doc lending ceased in 2007 134

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