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Investor Presentaiton

ANZ 2023 Half Year Results RISK ADJUSTED PERFORMANCE Group¹ Australia Retail Net interest income/ average Credit Risk Weighted Assets (CRWA), % Australia Commercial 1 6.28 1 8.06 8.37 | 5.05 6.43 6.16 7.05 5.98 6.18 5.19 4.64 4.30 4.22 5.51 5.65 Institutional¹ New Zealand, NZD 6.30 I 2.78 5.64 5.63 2.94 2.40 2.08 2.08 | 6.47 6.16 2H21 1H22 2H22 1H23 2H21 1H22 2H22 1H23 2H21 1H22 2H22 1H23 2H21 1H22 2H22 1H23 2H21 1H22 2H22 1H23 Average Credit Risk Weighted Assets (CRWA), $b 312 318 322 322 22 92 91 91 94 +4 43 43 41 40 40 123 131 136 130 39 50 51 53 56 2H21 1H22 2H22 1H23 2H21 1H22 2H22 1H23 2H21 1H22 2H22 1H23 2H21 1H22 2H22 1H23 2H21 1H22 2H22 1H23 Excluding the impact of Capital Reforms (effective date of 1 January 2023) Basis: Cash Profit continuing operations 1. Excluding Markets Business Unit 73
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