ANZ 2023 Half Year Results

ANZ 2023 Half Year Results NEW ZEALAND DIVISION - CONTRIBUTION & PROFIT DRIVERS Contribution (Mar 23), NZDb 128 25 103 Cash Profit drivers (Mar 23), NZDm Net Interest Income +$47m 105 37 19 10 1.9 822 0.2 86 1.7 -22 | w 842 -1 -7 Net Loans & Advances Customer Deposits Total Income (1H23) 2H22 Volume Margins Cash Business Personal Net interest income Other operating income Profit Other Expenses Provisions Operating Income Tax 1H23 Cash Profit NZ Division1 Income 1H23 v 2H22 1H23 v 1H22 Income¹ 1H23 v 2H22 1H23 v 1H22 +1% +14% Net Interest Income +3% +20% Expenses 0% -1% Other Operating Income -9% -17% NLA¹ 1H23 v 2H22 1H23 v 1H22 Profit Before Provisions +2% +25% Home Loans² Cash Profit +2% +13% Net Loans & Advances (NLAs) 0% +3% Customer Deposits 0% 0% Total Customers +37k +49k Business Loans³ Deposits Term Deposits Transact/Savings 0% -2% +1% +8% 1H23 v 2H22 1H23 v 1H22 +9% +23% -5% -10% Basis: Continuing Operations including Large / Notable items 1. During 2H22 Business was re-segmented for large Agri customers; 1H22 not restated 2. Housing includes business loans secured by residential properties 3. Business excludes business loans secured by residential properties, includes Agri lending 85 55

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