ANZ 2023 Half Year Results

ANZ 2023 Half Year Results INSTITUTIONAL - SUMMARY Customer Franchise Revenue¹, $m Risk Adjusted NIM2,3, bps 3,052 Operational / At-Call 2,613 152 168 173 171 194 219 Deposits ($b) Transactional Deposits & Payments # of Digital Payments Processed (m) Deposit NIM 2,400 (bps) 2,333 2,141 334 1,613 +45% 294 1,263 +3 1,282 953 1,057 56 225 240 16 208 208 103 79 82 +117% 1,118 1,188 1,276 1,350 1,439 278 278 71 н нн 2H19 2H21 1H22 2H22 1H23 2H19 2H21 1H22 2H22 1H23 1H23 (fully phased reg change) 321 148 Lending Non Lending Risk Adjusted Margin Regulatory Change Risk Adjusted Lending Margin 2H19 1H23 2H19 1H23 1H19 1H23 Investment grade (ex Markets), $b CRWA Intensity, EOP $b Returns4 2.0% 1.9% 1.7% 1.8% 285 252 265 276 52.2% 50.3% 50.3% 47.5% 1.6% 41.8% 1.7% 235 1.3% 1.2% 1.1% 163 156 164 172 1.0% 72% 74% 75% 78% 150 1.4% 78% 0.4% 0.5% 0.9% 0.3% 28% 26% 25% 22% 22% нн Sep 19 Sep 21 Mar 22 Sep 22 Mar 23 Sep 19 Sep 21 Mar 22 Sep 22 Mar 23 2H19 Investment Grade (EAD) Non Investment Grade (EAD) Credit RWA/EAD (ex Markets) Credit RWA Basis: Continuing Operations including Large / Notable items 1. Excludes: Balance Sheet Trading and Derivative Valuation Adjustments 12 2. Institutional ex-Markets Net Interest income divided by average Credit Risk Weighted Assets 3. Lending NIM represents Corporate Finance and Trade & Supply Chain 4. Return: Cash profit divided by average Risk Weighted Assets 2H21 1H22 2H22 1H23 - Aus. & PNG New Zealand - International 89

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