Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA HOME LOANS - BOOK ORIGINATED AND ATTRIBUTES 1. 2. 3. Home Loans portfolio, Mar 23 Time on Book ($b) 293 > 24 months 55% Origination LVR profile 131 13-24 months 18% 80% or less LVR 82% LMI Customer has 3 months+ savings buffer¹ <= 12 months 27% 23 Yes Yes 13 43% >80% LVR 18% No 57% No 69% 31% Mar 23 Mar 23 Mar 23 Mar 23 Buffers are calculated at customer level, incorporating all Retail debts within the customer cluster at ANZ, and all funds available in ANZ redraw, offset and transaction and savings accounts The serviceability rate is used to assess the customers ability to repay their loan when interest rates rise and includes an interest rate floor and buffer Uncommitted monthly income (UMI) is determined after income and expense buffers and shading are applied, and based on verified income only ANZ has limited exposure to recently originated lending at high LVRs with no LMI, and much of this cohort has savings buffers in excess of 3 months of repayments: $4b of the $293b Home Loans portfolio (or <1.5%) has been on book less than 24 months, has an LVR of greater than 80% with no LMI and less than 3 months savings buffers Of the $4b with less than 3 months savings buffer: • $1.3b (29.5%) are investor loans • $1.2b (29.1%) have a current interest rate higher than the serviceability rate² $583m (13.4%) have UMI³< $100 $90m (2.1%) are one or more payment past due $8m (0.19%) are 90+ DPD 131

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