ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation NEW ZEALAND LOANS - HOME LENDING & ARREARS TRENDS Home Loan LVR profile¹ Housing flows Housing portfolio 2% 1% 1% 3% 13% 3% 6% 5% 42% 46% 56% 13% 10% 12% 19% 63% 80% 10% 11% 87% 90% 89% 14% 58% 54% 44% 68% FY20 Proprietary Broker FY21 FY22 Sep 20 Sep 21 Sep 22 Fixed Variable Housing portfolio by region 1% 1% 1% 24% 25% 25% 12% 11% 11% 6% 6% 7% 11% 11% 11% 46% 46% Market share² 30.5% 30.4% 30.5% 11.3% 10.8% 45% 6.7% 6.2% 5.0% 5.5% Sep 22 FY20 FY21 FY22 Sep 20 Sep 21 Sep 22 Sep 20 Sep 21 0-60% 61-70% 71-80% 81-90% 90%+ Auckland Wellington Christchurch Other Sth Is. Other Nth Is. Other 1. Dynamic basis 2. Source: RBNZ, market share at NZ Geography level, FY22 as at Aug 22 ANZ market share System growth ANZ growth 98

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