Investor Presentaiton

ANZ Capital Notes 9 1Q24 CAPITAL, LIQUIDITY, FUNDING¹ ANZBGL's APRA Level 2 CET1 ratio - 1Q24 capital movement % 13.34 -0.06 0.42 13.06 -0.64 0.04 11.86 -1.24 Sep 23 Underlying RWA growth² Capital Generation & Other FY23 Final Dividend (Net of DRP) Dec 23 Suncorp Acquisition NOHC surplus Dec 23 Pro forma Liquidity³ LCR, quarterly avg.% 133 130 Sep 23 Dec 23 NSFR, end of period % 116.3 115.4 Sep 23 Dec 23 Funding In addition to $3b of pre-funding completed in FY23, ANZBGL has issued a further ~$16b of term funding in FY24 . ANZBGL expectations for FY24 term funding needs is $30-35b • ANZBGL remains well prepared for the modest Term Funding Facility maturities of ~$8b in 2H24 1. Extracted from ANZGHL's December 2023 Pillar 3 Chart Pack as at 31 December 2023 (which is not subject to KPMG's audit or review process) 2. Underlying RWA growth of $2.0b inclusive of CRWA Volume & Risk changes, IRRBB, Operational Risk, Market Risk and underlying CVA (excluding CVA hedges) 3. LCR and NSFR figures shown are on a Level 2 basis per APRA prudential standard APS210 12

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