ANZ 2023 Half Year Results

ANZ 2023 Half Year Results LONG RUN PROVISIONS & LOSS RATES Total credit impairment charge, $m 2,000 1,500 1,000 500 0 -500 -1,000 1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14 1H15 2H15 1H16 2H16 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 Commercial IP Consumer IP Institutional IP CP Charge/(Release) ANZ historical loss rates', bps Long run loss rate (Internal Expected Loss²), % 250 200 Division Mar 19 Mar 20 Mar 21 Mar 22 Mar 23 150 Aus. Retail 0.19 0.19 0.14 0.12 0.11 100 Aus. Commercial 0.75 0.69 0.76 0.62 0.53 50 New Zealand 0.19 0.19 0.15 0.12 0.10 0 Institutional 0.27 0.25 0.25 0.21 0.19 -50 90 Sep Sep Sep Sep Sep Sep 93 96 99 02 05 Sep Sep Sep 08 11 14 Sep 17 Sep Mar 20 23 Pacific Total 1.60 1.30 1.74 2.65 2.35 0.27 0.26 0.23 0.20 0.17 IP Loss Rate - Median Annual IP Loss Rate (excl. current period) 1. IP Charge as a % of average Gross Loans and Advances (GLA) 2. Internal Expected Loss (IEL) is an internal estimate of the average annualised loss likely to be incurred through a credit cycle 110

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