Investor Presentaiton

ANZ 2023 Half Year Results NEW ZEALAND DIVISION - FINANCIAL PERFORMANCE Balance Sheet¹ Income¹ Expenses / FTE Credit Quality/RWAs Profit & Returns NLAS² & NIM, NZDb NII/OOI Contribution, NZDm 125 129 128 1,693 259 1,912 1,937 238 216 Expenses, NZDm 689 Total Provision Charge, NZDm Cash Profit, NZDm 688 685 81 82 822 842 10 746 85 72 2.33% 2.61% 2.67% 1,674 1,721 1,434 Mar 22 Sep 22 Mar 23 1H22 NLAS -NIM% 2H22 -14 -18 -32 1H23 1H22 2H22 1H23 1H22 IP 2H22 CP 1H23 1H22 2H22 1H23 Net Interest Income Other Operating Income Customer Deposits, NZDb Business Contribution³, NZDm FTE Risk Weighted Assets EOP, NZDb Return 104 104 105 1,693 1,912 6 1,937 5 6,939 6,793 6,785 64 H 48 44 41 28 498 522 439 77 5.83% 5.40% 5.56% 65 2.38% 2.51% 2.42% 34 38 42 1,226 1,408 1,410 22 22 22 Mar 22 Sep 22 Mar 23 1H22 2H22 1H23 Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 1H22 2H22 1H23 Savings Transact Term Deposit Personal Business Other Revenue/Avg RWA Return/Avg RWA4 Basis: Continuing Operations including Large / Notable items 1. During 2H22 Business was re-segmented for large Agri customers; 1H22 not restated 2. NLAS: Net Loans & Advances 3. 4. During 1H22 business units were reorganised from Retail and Commercial to Personal and Business which resulted in some customer re-segmentation Cash profit divided by average Risk Weighted Assets 84

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