ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation AUSTRALIA HOME LOANS - PORTFOLIO COMPOSITION & FLOW By Purpose, % of Total Balances Portfolio 1,2 2% 2% 30% 30% Flow³ 1% 0% 31% 35% 68% 68% 68% 65% Sep 20 Sep 21 Sep 22 FY22 Owner Occupied Investor Equity Manager By Location, % of Total Balances 1. 2. By Origination LVR4,5, % of Total Balances Flow³ 17% 22% 17% 20% 20% 21% 63% 57% 63% FY20 FY21 FY22 <80% LVR 80% LVR >80% LVR By Channel, % of Total Balances Portfolio¹ Flow³ Portfolio¹ Flow³ 6% 6% 6% 6% $275b $278b $283b $75b 12% 11% 10% 8% $68b $61b 15% 15% 15% 16% 47% 47% 48% 42% 44% 43% 33% 33% 33% 33% 34% 35% 35% 37% Sep 20 Sep 21 Sep 22 FY22 VIC/TAS NSW/ACT QLD WA SA/NT 53% 53% 52% 57% 56% 58% Sep 20 Broker Sep 21 Proprietary Sep 22 FY20 FY21 FY22 Includes Non Performing Loans 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 3. Based on drawn month 4. ANZ Equity Manager product no longer offered for sale as of 31 July 2021 5. Includes capitalised LMI premiums 89

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