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Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA HOME LOANS - PORTFOLIO COMPOSITION Home Loan flows (Gross Loans & Advances¹), $b Loan balance & lending flows¹, $b 10 11 18 5 6 50 12 10 7 0 7 7 7 83 278 9 13 6 293 -65 80 8 71 1 23 25 26 27 23 19 Mar 22 16 17 13 New Sales Net OFI Refi. excl. Refi-In Redraw & Interest Repay / Other Mar 23 Home Loan FUM composition1,2, $b -25 -24 -26 -28 -30 -33 -31 -33 -33 269 264 8 31 22 6 10 17 -1 -1 -3 57 52 281 278 22 22 62 62 62 33 293 24 65 -2. -3 186 186 197 161 168 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 Mar 19 Mar 20 Mar 21 Mar 22 Mar 23 New Sales excl. Refi-In Net OFI Refi. Redraw & Interest Repay / Other OO P&I Inv P&I OO I/O Inv I/O Equity Manager 1. Based on Gross Loans and Advances. Includes Non-Performing Loans 2. The current classification of Investor vs Owner Occupied is based on ANZ's product category, determined at origination as advised by the customer and the ongoing precision relies primarily on the customer's obligation to advise ANZ of any change in circumstances. Interest Only (I/O) is based on customers that request a specific interest only period and does not include loans being progressively drawn e.g. construction. ANZ Equity Manager product no longer offered for sale as of 31 July 2021 127
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