ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation AUSTRALIA COMMERCIAL - BOOK COMPOSITION & RISK WEIGHT INTENSITY Diversified portfolio - Geographical view Sep 22% of Exposure at Default (EAD) 1,2 Security profile % of Exposure at Default (EAD) 1,3 12% 8% 29% VIC/TAS 11% NSW/ACT QLD WA SA/NT Other 14% 26% Diversified portfolio - Industry view Sep 22% of Exposure at Default (EAD)1 28% 24% Comm. Property & Construction Agri., Forestry & Fishing Retail Trade 6% 5% 21% 8% 8% Other Property & Bus. Services Accom. Cafes & Restaurants Health & Community Services Other Industries 4% 14% 6% 5% 13% 3% 3% 5% 5% 5% 13% 12% 76% 77% 79% 80% Mar 21 Fully Secured Sep 21 Partially Secured Mar 22 Sep 22 Unsecured Other Risk weight intensity1, $b 1. Excludes the Merchants divested business results; prior periods have been restated to be on a comparable basis where relevant 2. 3. States based on primary postcode. 'Other' refers to exposures not reported against a specific state. Some postcodes occur across two states Fully Secured on a market value basis. Other includes loans secured by cash or via sovereign backing 70 60.9% 58.5% 71 70 62 52 51 Mar 21 Sep 21 Total CRWA/EAD EAD Total RWA 55.7% 55.6% 73 62 52 54 Mar 22 Sep 22 52

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