Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA HOME LOANS - PORTFOLIO COMPOSITION & FLOW By Purpose, % of total balances By Origination LVR4,5, % of total balances Portfolio 1,2 Flow³ Flow³ 2% 2% 1% 0% 30% 30% 31% 33% 11% 22% 19% 17% 21% 21% 72% 68% 68% 68% 67% 57% 60% Mar 21 Mar 22 Mar 23 1H23 1H21 1H22 1H23 Owner Occupied Investor Equity Manager <80% LVR 80% LVR >80% LVR By Location, % of total balances By Channel, % of total balances Portfolio¹ Flow³ Portfolio¹ Flow³ 6% 6% 6% 7% $281b $278b $293b $43b 12% 11% 10% 9% $34b $35b 15% 15% 15% 16% 36% 46% 48% 48% 33% 33% 33% 30% 42% 47% 64% 34% 35% 35% 38% 54% 52% 52% 58% 53% Mar 21 Mar 22 Mar 23 1H23 Mar 21 Mar 22 Mar 23 1H21 1H22 1H23 VIC/TAS NSW/ACT QLD WA SA/NT Broker Proprietary 1. 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 3. Based on drawn month 45 4. ANZ Equity Manager product no longer offered for sale as of 31 July 2021 5. Includes capitalised LMI premiums 128

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