Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA COMMERCIAL - FINANCIAL PERFORMANCE Balance Sheet Income Expenses / FTE Credit Quality / RWAs Profit & Returns NLAs¹, $b 56 NII/OOI Contribution, $m Expenses, $m Total Provision Charge, $m 59 59 1,635 1,595 1,807 175 685 66 Cash Profit, $m 883 649 652 9 185 43 57 739 668 477 -5--6- -11 1,632 -165 1,410 1,158 Mar 22 Sep 22 Mar 23 1H22 Customer Deposits, $b 116 112 113 2H22 -122 1H23 1H22 2H22 1H23 1H22 IP 2H22 CP 1H23 1H22 2H22 1H23 Net Interest Income Other Operating Income NIM, % FTE Risk Weighted Assets EOP, $b Return 6.92% 2.72% 3,528 3,551 3,607 52 54 47 6.30% 2.30% 6.01% 1.90% 3.40% 2.83% 2.52% Mar 22 Sep 22 Mar 23 1H22 2H22 1H23 Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 1H22 2H22 1H23 Revenue / Avg RWA Return/ Avg RWA² Basis: Continuing Operations including Large / Notable items 1. Asset Finance run-off businesses have been excluded from NLAS 2. Cash profit divided by average Risk Weighted Assets 80

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