Investor Presentaiton

ANZ 2023 Half Year Results ANZ PLUS - MORE EFFICIENTLY DRIVE HIGHER CUSTOMER GROWTH, GREATER ENGAGEMENT AND BETTER FINANCIAL HEALTH How we measure success More attractive Greater propensity to join Brand consideration Relative app store rating # New customers # ANZ customers migrated More engaging Higher customer lifetime value Risk adj. revenue per customer Key episode NPS Average balances per customer % customers actively contributing to a savings goal More Lower cost to efficient onboard, serve and engage % Main Bank customers % customers ahead on Home Loan % customers making and receiving payments regularly # Interactions per customer Velocity of new features and capabilities released Marginal cost to acquire and join per customer % customers saving for a home % customers with a Home Loan Marginal cost of service (contact centre, coaching) per customer Average product management cost per customer % customers with data sharing consent Customer financial wellbeing score Retention of active customers Customers per Plus FTE More More resilient → Complaints per customer secure systems and services Fraud losses per customer % Transactions using PayID System downtime 46 46

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