Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA HOME LOANS - PORTFOLIO PERFORMANCE Home Loans 90+ DPD (by State) 1,2 % of Portfolio Segment Balances 2.5 2.0 1.5 10 1.0 Home Loans delinquencies 1,2,3,4 % of Portfolio Segment Balances 2.5 2.0 1.5 1.0 0.5 0.0 Mar Sep 18 18 19 Mar Sep Mar 19 20 Sep Mar Sep Mar Sep Mar 20 21 21 22 22 23 30+ DPD % 90+ Owner Occupied 90+ Investor Home Loans 90+ DPD (by vintage)5,% 2.5 2.0 0.5 1.5 1.0 0.5 0.0 VIC & TAS NSW & ACT QLD WA Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 Mar 22 Sep 22 SA & NT Mar 23 Portfolio 0.0 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 FY15 FY16 FY17 - FY18 FY19 FY20 FY21 FY22 1. Includes Non Performing Loans 2. ANZ delinquencies are calculated on a missed payment basis for amortising and Interest Only loans 3. 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 4. 30+ and 90+ between Mar 20 and Jun 20 excludes eligible Home Loans accounts that had requested COVID-19 assistance but due to delays in processing had not had the loan repayment deferral applied to the account 5. Home Loans 90+ DPD vintages represent % ratio of ever 90+ delinquent (measured by # accounts), contains at least 6 application months of that fiscal year contributing to each data point 133

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