Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA RETAIL 1H23 vs 1H22 Customer Deposits, $b Net Loans and Advances, $b Housing portfolio LVR profile² Origination LVR 301 Revenue growth 290 285 6 100% 6 6 80% ↑ 11% 156 150 60% 147 40% 44 41 43 Risk adj. margins¹ 14 16 28 295 278 284 20% 0% 1H21 1H22 <80% 80% 1H23 >80% ↑ 45bps (to 6.43%) Dynamic LVR 99 100% 66 65 55 61 80% 60% 40% 26 26 23 20% 0% Mar 22 Transact Savings Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 Mar 22 Term Deposits Offset Home Loans 0-60% Sep 22 81-100% Mar 23 Cards, Personal Loans & Other 61-80% >100% Loan to Valuation Ratio (LVR). Based on portfolio balances, including Non Performing Loans and capitalised LMI premiums. Excludes offset balances, accounts with a security guarantee and unknown DLVR. Valuations updated to Feb 23 where available Basis: Cash Profit continuing operations 1. Net interest income as a percentage of average credit risk weighted assets 2. 0

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