Investor Presentaiton

ANZ 2023 Half Year Results BALANCE SHEET COMPOSITION Exposure at default¹, EOP $b Risk weighted assets, EOP $b Net loans & advances, EOP $b Customer deposits, EOP $b 690 1,193 455 649 672 1,152 438 2% 0% 436 651 611 620 1% 0% 1,103 8% 2% 7% 4% 1% 1% 1% 13% 17% 15% 8% 14% 17% 15% 12% 12% 16% 18% 16% 14% 30% 31% 46% 29% 43% 45% 40% 42% 45% 42% 45% 43% 12% 6% 6% 6% 12% 11% 9% 9% 9% 44% 43% 44% 29% 29% 29% 27% 28% 27% Mar 22 Sep 22 Mar 23 Australia Retail Australia Commercial Basis: Cash Profit continuing operations 1. Mar 22 Sep 22 Mar 23 Institutional New Zealand Other 19% 18% 17% 24% 24% 24% Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 EAD excludes amounts for 'Securitisation' and 'Other Assets' Basel classes, as per APS330. Data provided is on a Post CRM basis, net of credit risk mitigation such as guarantees, credit derivatives, netting and financial collateral 59

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