Investor Presentaiton

ANZ 2023 Half Year Results VOLUMES Net loans & advances, $b Total Group ↑ 3% Mar 23 vs Sep 22 Customer deposits, $b Total Group ↑ 5% Mar 23 vs Sep 22 Basis: Cash Profit continuing operations +4% 284.6 290.3 300.6 +1% excluding Asset Finance reductions (0% +1% 207.2 208.3 188.2 57.6 59.7 59.9 Australia Retail Australia Commercial Mar 22 Sep 22 Mar 23 0% 125.2 128.6 128.4 Institutional New Zealand (NZD) +6% +4% 247.2 262.5 278.1 +1% 147.0 150.0 156.4 116.4 112.2 113.0 0% 104.1 104.4 104.6 Australia Retail Australia Commercial Institutional New Zealand (NZD) Mar 22 Sep 22 Mar 23 26

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