Investor Presentaiton

ANZ 2023 Half Year Results OTHER OPERATING INCOME Total other operating income (excluding Markets), $m 1,452 1,358 53 1,360 272 75 136 166 72 168 1,040 48 Includes seasonality 66 165 103 43 impacts & 101 74 reduced income from businesses divested 998 953 897 869 Net fee & commission income (excluding Markets), $m 953 890 84 11 199 213 Lower cards income & funds management fees 298 266 161 153 226 243 Higher guarantee fees in Transaction Banking and higher deal activities in Corporate Finance Higher commercial card fee income Higher cards revenue and new home loan offset account fees 2H21 1H22 2H22 -49 1H23 1H22 =-4=-7- 1H23 Net fee and commission income Share of associates profit FX earnings Other Large / Notable items Aus. Retail Aus. Commercial Institutional New Zealand Basis: Cash Profit continuing operations 1. 1H22 largely the result of divested business impacts Pacific & Other Large / Notable items¹ 69

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