Investor Presentaiton

ANZ Capital Notes 9 CONSISTENT APPROACH TO AT1 ISSUANCE: SIZE AND MATURITIES ANZBGL's near term AT1 requirements primarily driven by its scheduled maturity profile: AT1 First Call date profile², Notional amount A$b • AT1 currently on issue exceeds requirements • RWA reductions since last issue in 2023 (Dec-23 RWA of $429bn versus Mar-23 of $436bn) CN4 • ANZBGL's redemption of CN4 on 20 March 20241 CS1 CN6 CN8 CN7 1.6 CN5 1.4 1.5 1.5 1.3 ANZBGL's disciplined approach to AT1 issuance has resulted in: 0.9 • A first call date structure spread over many years • • Manageable volume in any year Accessing Australian and US markets ANZBGL's disciplined approach to issuance³ FY24 FY25 FY26 FY27 FY28 FY29 FY30 AUD USD Major Australian bank AT1 as % RWA5 Volume CCY A$m First Call Date4 Mandatory Conversion Date CET1 Trigger PONV Trigger CN4 AUD 1,622 Mar-24 Mar-26 5.125% Yes CN5 AUD 931 Mar-25 Mar-27 5.125% Yes 2.3% 2.2% CN6 AUD 1,500 Mar-28 Sep-30 5.125% Yes 1.9% 2.0% CN7 AUD 1,310 Mar-29 Sep-31 5.125% Yes CN8 AUD 1,500 Mar-30 Sep-32 5.125% Yes CS1 USD 1,412 Jun-26 N/A 5.125% Yes ANZ CBA Total 8,275 NAB WBC AT1 % 1. 2. 3. 4. 45 ANZBGL issued a redemption notice for the redemption of all CN4 on 14 February 2024. 1.5% of RWA regulatory minimum All securities included at face value at spot 30 September 2023 exchange rates unless otherwise stated. AT1 securities profiled to the first optional redemption date. No redemption may be made without the prior written approval of APRA. Approval is at the discretion of APRA and may or may not be given. There can be no certainty that APRA will provide its prior written approval for any such redemption. Holders should not expect that APRA's approval will be given for any redemption if requested by ANZBGL All securities included at face value at spot 30 September 2023 exchange rates unless otherwise stated. Details of all ANZBGL regulatory capital instruments available from anz.com/shareholder/centre/reporting/regulatory-disclosure/regulatory-capital- instruments/ Represents the first possible issuer call option prior to the mandatory conversion date upon which the AT1 capital securities convert to ANZGHL Ordinary Shares, subject to certain conditions being satisfied 5. Source: Company disclosures: ANZ Basel III Pillar 3 Disclosure as at 31 December 2023 (which is not subject to KPMG's audit or review processes), Commonwealth Bank Basel III Pillar 3 Disclosure as at 30 September 2023 (which is not subject to audit or review processes), Westpac FY23 Results Announcement released 6 November 2023, NAB FY23 Results Announcement released 9 November 2023 20

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