Investor Presentaiton

ANZ 2023 Half Year Results MARKETS FRANCHISE INCOME BY GEOGRAPHY Total Markets Franchise income, $m 700 604 592 554. 901 891 617 590 575. 478 757 International, $m 608 315 249. -223 nullut 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 Average excluding FY20 Australia & PNG, $m 275 245 240 222 238 345 -235 526 431 312 323 275 178 ~60% of 1H23 Markets Franchise income 431 audiant 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 Average excluding FY20 New Zealand, $m -282 135 137 234 110 110 115 111 207. 212 215 224 103 .92_ 93 101 169 -83 71 minha 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 Average excluding FY20 mitan 1H18 2H18 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 Average excluding FY20 31

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