Investor Presentaiton

ANZ 2023 Half Year Results COLLECTIVE PROVISION (CP) BALANCE & CHARGE CP charge, $m CP balance, $m 1.39% 1.17% 1.25% 1.22% 1.17% 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 1.08% 1.07% 0.98% 0.94% CP charge 13 4 1,048 669 -678 -145 -371 60 163 Volume/Mix -28 -51 0 46 -199 -83 -98 -160 -41 3,378 3,376 0 104 Change in Risk -40 19 17 44 -112 -41 -172 -172 24 5,008 4,501 11 696 4,285 4,195 4,040 3,853 746 3,757 760 817 618 727 4,490 4,312 Economic forecast & scenario weights¹ 3,539 99 31 1,124 -106 -417 -31 37 278 100 3,378 3,435 3,272 3,139 3,126 3,223 Additional overlays -18 5 -93 685 50 10 -138 114 1. Includes impact of model changes 2. CP as a % of Credit Risk Weighted Assets (CRWA) 80 60 Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 Mar 22 Sep 22 Mar 23 Modelled ECL Additional overlays CP Coverage² 113

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