Investor Presentaiton

ANZ'S TIER 2 CAPITAL PROFILE¹ ANZ'S TIER 2 CAPITAL REQUIREMENT TO PROGRESSIVELY INCREASE TO MEET TLAC REQUIREMENT • ANZ BGL issued $11.4b since July-2019 across AUD, EUR, GBP, and USD FY22 T2 issuance expected to be ~ $4b Remaining required Tier 2 capital net increase of ~$4b to ~$21b by January- 2024 (Based on 5% of current RWAs²) Planned issuance in multiple currencies in both callable and bullet format Increased T2 issuance expected to be offset by reduction in other senior unsecured funding In addition to ANZ BGL T2 TLAC needs, ANZ NZ has modest T2 requirements of 2% of ANZ NZ RWA by 2028. ANZ NZ issued an inaugural NZD $600m T2 under these rules in September-2021 Well managed amortisation profile provides flexibility regarding issuance tenor FUNDING PROFILE TIER 2 CAPITAL Notional amount By Format 73% By Currency 2% 6% 3% 27% 7% Bullet Callable 18% USD AUD Domestic 45% EUR AUD Offshore GBP SGD 19% JPY CAPITAL AMORTISATION PROFILE³ Notional amount, $m 3,437 2,937 674 131 FY22 FY23 FY24 5,637 $m 2,849 1,368 824 FY25 FY26 225 FY27 0 нн FY28 FY31+ 2,444 3,893 3,811 2,849 225 0 нн FY22 FY23 FY24 FY25 FY26 FY27 FY28 FY31+ Bullet Amortisation Callable Scheduled Bullet and Call Date Profile 1. Profile is AUD equivalent based on historical FX, excluding Perpetual Floating rate notes issued 30 October 1986 (which loses Basel III transitional relief in 2021) and ANZ NZ $600m floating rate notes issued September 2021 Comprises Tier 2 capital in the form of Capital Securities only (i.e. does not include other Tier 2 capital such as eligible General reserve for impairment of financial assets) 2. Current RWAS $416b as at 30 September 2021 3. Amortisation profile is modelled based on scheduled first call date for callable structures and in line with APRA's amortisation requirements for bullet structures ANZ 85

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