Investor Presentaiton

ANZ Capital Notes 9 COMPARISON TO OTHER ANZ CAPITAL NOTES REINVESTMENT OF CN4 INTO NOTES IS NOT A SIMPLE ROLLOVER INTO A SIMILAR INVESTMENT. THE NOTES AND CN4 HAVE DIFFERENT RIGHTS, BENEFITS AND RISKS WHICH MUST BE EVALUATED SEPARATELY ASX Code Term Margin AN3PL ANZ Capital Notes 9 Perpetual, subject to Mandatory Conversion into ANZGHL Ordinary Shares on 20 September 2033 (~9.5 years after the Issue Date) Expected to be between 2.90% to 3.10% Distribution Payment Dates Quarterly Franking Conditions to payment of Distributions Restrictions for non- payment of Distribution Mandatory Conversion ANZBGL Early Redemption Options Frankable, subject to gross-up for non-franked portion Yes, subject to ANZBGL's absolute discretion and the Payment Conditions Yes, applies to ANZBGL Ordinary Shares until the next quarterly Distribution Payment Date 20 September 2033 (if the Mandatory Conversion Conditions are satisfied) and on a Change of Control Event 20 March 2031 (~7 years after its issue date), 20 June 2031, 19 September 2031 and for Tax or Regulatory Events, with APRA's prior written approval On a Common Equity Capital Trigger Event for the ANZBGL Conversion on Trigger Event Level 1 and 2 Groups and Non-Viability Trigger Event. Write- Off if Conversion does not occur for any reason Capital Classification Additional Tier 1 ANZ Capital Notes 8 AN3PK Perpetual, subject to mandatory conversion into ANZGHL ordinary shares on 20 September 2032 (~9.5 years after its issue date) 2.75% Quarterly Frankable, subject to gross-up for non-franked portion Yes, subject to ANZBGL's absolute discretion and payment conditions Yes, applies to ANZBGL Ordinary Shares until the next quarterly distribution payment date 20 September 2032 (if the mandatory conversion conditions are satisfied) and on a change of control event 20 March 2030 (~7 years after its issue date), 20 June 2030, 20 September 2030 and for tax or regulatory events, with APRA's prior written approval On a Common Equity Capital Trigger Event for the ANZBGL Level 1 and 2 Groups and Non-Viability Trigger Event. Write- Off if Conversion does not occur for any reason Additional Tier 1 ANZ Capital Notes 4 AN3PG Perpetual, subject to mandatory conversion into ANZGHL ordinary shares on 20 March 2026 (~9.5 years after its issue date) 4.70% Quarterly Frankable, subject to gross-up for non-franked portion Yes, subject to ANZBGL's absolute discretion and payment conditions Yes, applies to ANZBGL Ordinary Shares until the next quarterly distribution payment date 20 March 2026 (if the mandatory conversion conditions are satisfied) and on a change of control event 20 March 2024 and for tax or regulatory events, with APRA's prior written approval On a Common Equity Capital Trigger Event for the ANZBGL Level 1 and 2 Groups and Non-Viability Trigger Event. Write-Off if Conversion does not occur for any reason Additional Tier 1 7

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