Investor Presentaiton

ANZ 2023 Half Year Results INSTITUTIONAL 1H23 vs 1H22 Revenue², $b Credit RWA, $b 3.05 164 172 Lending risk adj. margins 1,3, bps 175 250 150 Revenue growth ↑ 35% 2.61 2.33 200 150 47% 100 Mar 22 52% 55% Risk adj. margins¹ Sep 22 Mar 23 Mar 233 1H22 2H22 1H23 excl. capital reforms4 ↑ 86bps Customer Deposits, $b Lending risk adj. margin excl. capital reforms4 Lending risk adj. margin Deposit margins5, bps 278 (to 2.94%) 53% 247 263 100 75 48% 45% 50 25 0 1H22 2H22 1H23 Mar 22 Sep 22 Mar 23 1H22 2H22 1H23 Lending Non Lending Basis: Cash Profit continuing operations 1. 2. Net interest income as a percentage of average credit risk weighted assets. Excludes Markets Business Unit Lending includes Corporate Finance & Trade, Non Lending includes Payments & Cash Management and Market Customer Franchise 3. Corporate Finance and Trade & Supply Chain lending margin 4. Excluding the impacts of APRA Capital Reforms (effective date of 1 January 2023) 5. Payments & Cash Management deposit margin 13

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