Investor Presentaiton

ANZ 2023 Half Year Results PERFORMANCE OVERVIEW Returns Return on Equity, % 11.4 10.8 10.0 Tangible Assets NTA / Share, $ 20.75 20.64 21.66 Capital Strength APRA Level 2 CET1 Ratio 1, % Risk Profile Internal Expected Loss², bps 11.5 12.3 13.2 20 19 17 1H22 2H22 1H23 Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 Basis: Cash Profit continuing operations 1. Australia & New Zealand Banking Group Limited 2. Internal Expected Loss (IEL) is an internal estimate of the average annualised loss likely to be incurred through a credit cycle 5

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