ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation CET1 AND LEVERAGE IN A GLOBAL CONTEXT CET1 ratios 1,2, % Regulators globally have provided specific transitional arrangements for ECL. ANZ has utilised publicly available CET1 information and adjusted for Capital treatment of ECL provisioning where available Svenska Handelsbanken SEB ANZ Swedbank Danske Bank Nordea Credit Agricole Group ANZ pro-forma4 UniCredit ABN Amro BMO Morgan Stanley Natwest Rabobank ING Group Groupe BPCE OCBC TD UBS Goldman Sachs HSBC 0% 5% 10% 15% 20% Leverage 1,2,3, % 0% 2% 4% 6% 8% OCBC BBVA RBI UOB Erste Bank Rabobank DBS Credit Suisse ANZ UBS Erste Bank DBS Intesa Sanpaolo Standard Chartered Barclays Commerzbank Credit Suisse State Street Societe Generale RBI UOB Deutsche Bank RBC BBVA JP Morgan BNP Paribas Santander Bank of America Wells Fargo Citibank Scotia Intesa Sanpaolo UniCredit Swedbank Credit Agricole Group ING Group Nordea BMO Svenska Handelsbanken ABN Amro HSBC Danske Bank Groupe BPCE Santander Commerzbank SEB Deutsche Bank Natwest Barclays Societe Generale RBC Scotia TD Standard Chartered BNP Paribas ANZ compares well on leverage, however international comparisons are more difficult to make given the favourable treatment of derivatives under US GAAP 1. CET1 and leverage ratios are based on ANZ estimated adjustment for accrued expected future dividends and share buy-backs. Transitional arrangements for expected credit loss and leverage exposure concessional adjustments where details have been externally disclosed. Central bank exposures removed from leverage ratio exposure measure where identified. ANZ ratios are on an Internationally Comparable basis. All data sourced from company reports and ANZ estimates based on last reported half/full year results assuming Basel III capital reforms fully implemented 2. Based on Group 1 banks as identified by the BIS (internationally active banks with Tier 1 capital of more than €3 billion) 3. 34 4. Includes adjustments for transitional AT1 where applicable. Exclude US banks as leverage ratio exposures are based on US GAAP accounting and therefore incomparable with other jurisdictions which are based on IFRS ANZ international CET1 proforma ratio adjusted for Suncorp Bank acquisition. Impacts from Suncorp Bank acquisition on Leverage ratio are not expected to be material 61

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