Investor Presentaiton

ANZ 2023 Half Year Results NEW ZEALAND LOANS - HOME LENDING & ARREARS TRENDS Home Loan LVR profile¹ Housing flows Housing portfolio 11% 11% 11% 1% 1% 2% 2% 5% 7% 7% 7% 45% 55% 57% 15% 12% 11% 89% 89% 89% 55% 45% 43% 15% 1H21 Proprietary Broker 1H22 1H23 Mar 21 Mar 22 Mar 23 Fixed Variable 76% 77% Housing portfolio by region Market share² 62% 30.6% 30.7% 30.1% 1% -1% -1% 25% 25% 25% 11% 11% 11% 6% 6% 7% 11% 11% 11% 6.4% 6.8% 46% 46% 45% 3.4% 4.4% 1.6% 0.4% Mar 21 Mar 22 Mar 23 Mar 21 Mar 22 Mar 23 0-60% 71-80% 90%+ 61-70% 81-90% Auckland Wellington Christchurch Other Sth Is. Other Nth Is. Other 1H21 ANZ market share System growth 1H22 1H23 ANZ growth 1. Dynamic basis 2. Source: RBNZ, market share at NZ Geography level 135

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