ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation REVENUE GROWTH CASH CONTINUING EXCLUDING LARGE / NOTABLE ITEMS Group Revenue performance, 2H22 vs 1H22 $m 213 8,679 Revenue ↑10% Divisional performance, 2H22 vs 1H22 Revenue growth 6% 20% 10% 12% 234 9,581 Aus. Retail Aus. Comm. Institutional¹ 455 New Zealand (NZD) Net Loans & advances growth 7% 4% 2% 1% Aus. Retail Aus. Comm. Institutional¹ New Zealand (NZD) ~50% lending / transaction volumes; ~50% margin Risk Adj. NIM growth 141bps 63bps 34bps 19bps Aus. Retail Aus. Comm. Institutional 1,2 1H22 Volume Margin Other operating income 2H22 New Zealand (NZD) 1. FX adjusted 2. Excluding Markets 14

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