Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA HOME LOANS - PORTFOLIO RESILIENCE Home Loans repayment profile 1,2 % of accounts ahead of repayments 40 30 20 20 Home Loans on time and <1 month ahead profile 2,3 % composition of accounts 35% 36% 26% 18% 20% 10 18% 21% 26% Investment: Interest payments may receive negative gearing/tax benefits New Accounts: < 12 months old Structural: Loans that restrict payments in advance eg. fixed rate loans Residual 0 Overdue On Time <1 month ahead Mar 22 Mar 23 1-3 3-6 6-12 months months months ahead ahead ahead 1-2 years ahead >2 years ahead Mar 22 Mar 23 Dynamic LVR based on portfolio balances 14, % >90% Net of offset balances5 60 50 40 30 20 10 Offset account balances5 50 •4.3% of portfolio ⚫46% ahead of repayments² 40 .30% with LMI 10 32 12% 35 12% 36 13% 30 27 10% 28 10% NEGATIVE EQUITY Net of offset balances5 20 20 ⚫1.0% of portfolio ⚫46% ahead of repayments² .18% with LMI 10 38 14% 39 41 14% 14% 15% 10% 5% 0 0% 0 0-60% Mar 22 61-75% Mar 23 76-80% 81-90% 91-95% 96-100% 100%+ Sep 19 Mar 20 Sep 20 LHS: Offset balances ($b) Mar 21 Sep 21 Mar 22 Sep 22 Mar 23 RHS: Offset balances as a % of home loan FUM 1. 2. 3. Includes Non Performing Loans % of Owner Occupied and Investment Loans that have any amount ahead of repayments. Excess repayments based on available redraw and offset. Excludes Equity Manager Accounts 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. Note: hierarchy changed from previous disclosures 4. Includes capitalised LMI premiums and excludes offset balances, accounts with a security guarantee and unknown DLVR. Valuations updated to Feb 23 where available 5. Offset balances reflect only those balances linked to Home Loan accounts, restated to exclude balances in offset accounts which are no longer linked to an active Home Loan account 129

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