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ANZ 2022 Full Year Results

ANZ 2022 Full Year Results AUSTRALIA COMMERCIAL - CONTRIBUTION AND PROFIT DRIVERS Contribution (Sep 22), $b. Cash Profit drivers (Sep 22), $m Net Interest Income +$254m 59 1 113 0 20 35 553 0 254 13 -32 635 -111 -42 2.9 39 78 1.6 1.3 Net Loans & Advances¹ Customer Deposits² Total Income SME Banking Specialist Business Central Functions 1H22 Cash Profit (ex L/N) Volume Margins Other Expenses Provisions Operating Income Tax 2H22 Cash Profit (ex L/N) 1H22 2H22 Total Commercial Income Income Net Interest Income 2H22 v 1H22 FY22 v FY21 2H22 v 1H22 FY22 v FY21 +20% +10% Expenses +5% +1% Other Operating Income NLA¹ +22% +8% +10% +4% 2H22 v 1H22 FY22 v FY21 Profit Before Provisions +35% +18% SME Banking +2% +2% Cash Profit +15% +11% Specialist Business +10% +16% Net Loans & Advances (NLAs)1 +4% +6% Customer Deposits² -3% +2% Total Customers +4k +10k Central Functions Customer deposits Term Deposits Transact/Savings² -8% -14% 2H22 v 1H22 FY22 v FY21 +11% +3% -6% +1% Basis: Continuing Operations Excluding Large / Notable items 1. Asset Finance run-off businesses have been excluded from NLAS 2. Sep 22 balance has been adjusted to exclude the transfer of Business offset accounts from Australia Commercial to Australia Retail 79

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