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Investor Presentaiton

INVESTMENT SPEND CONTINUING OPERATIONS FY21 INVESTMENT SPEND¹ $m - ALIGNED TO STRATEGIC PRIORITIES Estimated share 1,810 of investment spend in FY22 22% ~30% 1,474 18% 24% ~30% 17% ~35% 54% 47% INVESTING FOR THE FUTURE FY21 INVESTMENT SPEND BY CATEGORY (EXAMPLES) Growth Productivity & Simplification ANZX Sustainability GoBiz 1835i Platforms • Migration to Cloud Digital customer experience Banker experience Customer authentication Property rationalisation Automation Asset Lifecycle Management Application upgrades Capacity & storage Release management Regulatory, Compliance & Risk BS11 (RBNZ Outsourcing) Benchmark Transition ('IBOR') Home & business lending processes Open Banking Cyber security 1. 11% FY20 Asset Lifecycle Management Regulatory, Compliance & Risk 7% FY21 ~5% Productivity & Simplification Growth Prior periods restated to reflect current management classification between BAU and Investment Expensed * This page may contain forward-looking statements or opinions. Please refer to ANZ's Disclaimer and Important Notice with respect to such statements on page 1 ANZ 33
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