Investor Presentaiton

ANZ 2023 Half Year Results RISK WEIGHTED ASSETS & EXPOSURE AT DEFAULT COMPOSITION1 EAD composition, $b EAD & CRWA movement, HoH FX adjusted $b 1. 2. 3. 1,193 1,152 16 1,103 38 8 1,075 40 1,045 -10 742 47 49 9.2 51 10 47 968 45 48 -13 44 251 3.6 56 333 43 305 324 277 272 408 289 307 263 261 205 18.3 14.7 4.4 0.3 0.9 0.7 1.1 1.0 Aus. Retail Aus. Comm New Zealand Institutional Other CRWA Volume/Mix EAD growth Credit RWA / EAD by portfolio³, % 60 59 56 53 50 53 56 55= 54 =51 50' 49 380 381 406 412 415 432 132 36 -36- 33 32 31 27 28 27. 27 27 28 29 11 10 Mar 19 Mar 20 Mar 21 Mar 22 Sep 22 Mar 23 Mar 19 Mar 20 Residential Mortgage Sovereign & Financial Institution (inc. Bank)² Corporate Specialised Lending Retail (ex Mortgages) Other Total Group Corporate & Specialised 7 Mar 21 Retail (ex Mortgages) Residential Mortgage 7 Mar 22 7 Sep 22 11 Mar 23 Sovereign & Financial Institution (inc. Bank)² EAD excludes amounts for 'Securitisation', and for 'Other assets' prior to March 2023 (included from March 2023 due to the implementation of APRA's new capital framework), whereas CRWA is inclusive of these asset classes, as per APS 330. EAD data provided is on a Post CRM basis, net of credit risk mitigation such as guarantees, credit derivatives, netting and financial collateral Due to the implementation of APRA's new capital framework the exposure reported in the Sovereign and Financial Institution (incl Banks) includes non-bank Financial Institutions. Prior to March 2023, non-bank Fls were reported as Corporate Total Group ratio from Mar 21 is inclusive of increased exposure to the RBA via higher exchange settlement account balances 119

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