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ANZ 2022 Full Year Results

ANZ 2022 Full Year Results AUSTRALIA RETAIL - CONTRIBUTION AND PROFIT DRIVERS Contribution (Sep 22), $b. 289 '6' 149 43 Cash Profit drivers (Sep 22), $m Net Interest Income +$112m 75 14 112 1,125 0 1,198 -97 -31 6.2 283 106 3.2 3.0 Net Loans & Advances¹ Customer Deposits² Total Income Home Loans Deposits & Payments 1H22 Cash Profit (ex L/N) Volume Margins Other Operating Income Expenses Provisions Tax 2H22 Cash Profit (ex L/N) 1H22 2H22 Cards, Personal Loans & Other Total Retail 2H22 v 1H22 FY22 v FY21 Income Income +6% -5% Net Interest Income 2H22 v 1H22 +4% FY22 v FY21 Expenses -1% +10% Other Operating Income +26% -4% -14% NLA¹ 2H22 v 1H22 FY22 v FY21 Profit Before Provisions +13% -15% Home Loans +2% +2% Cash Profit +6% -17% Net Loans & Advances (NLAs)1 +2% +2% Credit Cards & Personal Loans Customer deposits -2% -1% 2H22 v 1H22 FY22 v FY21 Customer Deposits² +2% +6% Total Customers +70k +113k Term Deposits Transact/Savings², 3 +12% -1% Flat +6% Basis: Continuing Operations Excluding Large / Notable items 1. Sep 22 balance has been adjusted to exclude the $1.2b accounting policy change for ongoing trail commission payable 2. 3. Sep 22 balance has been adjusted to exclude the transfer of Business offset accounts from Australia Commercial to Australia Retail Includes Home Loans offset accounts 76

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