Investor Presentaiton

TERM WHOLESALE FUNDING PORTFOLIO¹ ISSUANCE $b 19 32 22 22 222 22 24 24 25 FY15 FY16 FY17 FY18 FY19 PORTFOLIO 1% 19% 1% 16% 50% FY20 Senior Unsecured Unsecured issuance has decreased from 78% in FY18 13% Senior Unsecured Covered Bonds Tier 2 RMBS TFF NZ FLP / TLF 17 17 FY21 MATURITIES 21 FY22 30 27 FY23 FY24 Covered Bonds Tier 2 RMBS TFF NZ FLP / TLF PORTFOLIO BY CURRENCY 3% 23% 25% 49% 11 8 8 3 FY25 FY26 FY27 FY28+ Domestic portfolio has increased from 33% in FY18 • Domestic (AUD, NZD) North America (USD, CAD) UK & Europe (£, €, CHF, NOK) Asia (JPY, HKD, SGD, CNY) • • ANZ's term funding requirements depend on market conditions, balance sheet needs and exchange rates, amongst other factors ANZ deposit growth outpaced lending growth in FY21 ANZ's cumulative CLF reduction ($10.7b) and TFF maturities ($20b) over next 3 years is very manageable Subject to customer balance sheet movement, ANZ may have modest senior debt term funding requirements in FY22 1. All figures based on historical FX and exclude AT1. Includes transactions with an original call or maturity date greater than 12 months as at the respective reporting date. Tier 2 maturity profile is based on the next callable date ANZ 84

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