Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA HOME LOANS - PORTFOLIO OVERVIEW Portfolio¹ Flow² Portfolio¹ 1H21 1H22 1H23 1H22 1H23 1H21 1H22 1H23 Number of Home Loan accounts 1,019k 984k 969k 82k3 95k3 Average LVR at Origination 9,10 71% 70% 65% Total FUM $281b $278b $293b $35b $43b Average Dynamic LVR (excl. offset) 10,1 55% 50% 49% Average Loan Size4 $275k $283k $302k $458k $481k Average Dynamic LVR (incl. offset) 10,11 49% 44% 43% Market share12 14.4% 13.2% 13.2% % Owner Occupied 5 68% 68% 68% 65% 67% % Ahead of Repayments 13 72% 68% 70% % Investor5 30% 30% 31% 35% 33% Offset Balances 14 $35b $38b $41b % Equity Line of Credit 2% 2% 1% 0% 0% % First Home Buyer 8% 8% 7% % Paying Variable Rate Loan 73% 65% 78% 59% 96% % Low Doc 15 2% 2% 1% % Paying Fixed Rate Loan? 27% 35% 22% 41% 4% Loss Rate 16 0.05% 0.01% 0.01% % Paying Interest Only 10% 9% 9% 16% 14% % Broker Originated 54% 52% 52% 53% 64% % of Australia Geography Lending 17,18 % of Group Lending 17 64% 62% 62% 45% 43% 42% Unless otherwise stated metrics are based on balances 1. Home Loans portfolio (includes Non Performing Loans, excludes Offset balances) 2. YTD unless noted 3. New accounts includes increases to existing accounts and split loans (fixed and variable components of the same loan) 4. Average loan size for Flow excludes increases to existing accounts 5. The current classification of Investor vs Owner Occupied is based on ANZ's product category, determined at origination as advised by the customer and the ongoing precision relies primarily on the customer's obligation to advise ANZ of any change in circumstances 6. ANZ Equity Manager product no longer offered for sale as of 31 July 2021 7. Excludes Equity Manager Accounts 8. Based on customers that request a specific interest only period and does not include loans being progressively drawn e.g. construction 9. Originated in the respective year 10. Unweighted based on # accounts and includes capitalised LMI premiums 11. Valuations updated to Feb 23 where available. Includes Non Performing Loans and excludes accounts with a security guarantee and unknown DLVR 12. Source: APRA Monthly Authorised Deposit-Taking Institutions Statistics (MADIS) to Mar 23 13. % of Owner Occupied and Investor Loans that have any amount ahead of repayments based on available redraw and offset 14. Offset balances reflect only those balances linked to Home Loan accounts, restated to exclude balances in offset accounts which are no longer linked to an active Home Loan account 15. Low Doc is comprised of less than or equal to 60% LVR mortgages primarily for self-employed without scheduled PAYG income. However, it also has <0.1% of less than or equal to 80% LVR mortgages, primarily booked pre-2008. Note Low Doc lending at ANZ is no longer offered 16. Annualised write-off net of recoveries 17. Based on Gross Loans & Advances 18. Australia Geography includes Australia Retail, Australia Commercial and Institutional Australia 126

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