Investor Presentaiton

ANZ Capital Notes 9 ANZGHL BALANCE SHEET STRUCTURE¹ NSFR movement, % 118.6 Pro forma NSFR is ~115.4% once RSF benefit associated with TFF is removed Balance sheet composition, Sep 23 0.8 0.2 0.4 116.3 -2.1 -0.1 -1.5 Liquid and Other Assets 34% Mar 23 Loans TFF RSF LT Debt Impact Retail/ Corp/ Operational Deposits Non Op FI/Bank Other² Sep 23 FI Lending 7% FI Deposits & Repos Non-FI Lending 20% NSFR Composition, Sep 23 $b 625 Wholesale Funding & Other³ Non-Financial Corporates Retail/SME Capital Available Stable Funding Offshore Short Term W'sale Debt 3% Domestic Short Term Wholesale Debt and Other Funding 22% Corporate, PSE and Operational Deposits 25% 538 Retail and SME Deposits 31% Liquids & Other Other Loans Mortgages 39% Long Term Wholesale Debt 9% Residential Mortgages 65% RSF factor Required Stable Funding Assets 1. 2. NSFR Required Stable Funding (RSF) and Available Stable Funding (ASF) categories and all figures shown are on a Level 2 basis per APRA prudential standard APS210 Includes Securities, Derivatives, Other Assets and net FX impacts 3. 'Other' includes Sovereign, and non-operational FI Deposits 4. 'Other' include Off Balance Sheet, Derivatives, and Fixed Assets 5. Includes FI/Bank deposits, Repo funding and other short dated liabilities 6. Includes Central Bank Term Funding (RBA TFF, RBNZ FLP/TLF) Capital incl. Hybrids and Tier 2 10% Funding 14

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