Investor Presentaiton

ANZ 2023 Half Year Results INSTITUTIONAL MARGINS1 Risk Adjusted NIM drivers, bps Risk Adjusted NIM - by geography, bps Regulatory Change Institutional Australia & PNG 334 292 294 246 253 240 224 222 230 222 207 190 202 208 208 278 271 278 278 16 26 13 294 240 -1 16 21 56 1H20 2H20 1H21 2H21 1H22 2H22 1H23 1H20 2H20 1H21 2H21 1H22 2H22 1H23 2H22 Mix Deposit Asset Regulatory Margins Margins Change 16 1H23 1H23 (fully phased reg change) Lending Risk Adjusted Margin 2,3 Lending NIM 2,4 Deposit NIM5 194 161 168 173 171 148 149 147 143 148 82 148 145 127 131 67 60 184 46 41 39 34 10 1H20 2H20 1H21 2H21 1H22 2H22 1H23 1H20 2H20 1H21 2H21 1H22 2H22 1H23 1H20 2H20 1H21 2H21 1H22 2H22 1H23 Basis: Cash Profit, Continuing Operations including Large / Notable items. New Zealand 355 332 287 234 218 243 263 International 275 188 150 358 135 149 147 156 261 14- 1H20 2H20 1H21 2H21 1H22 2H22 1H23 1H20 2H20 1H21 2H21 1H22 2H22 1H23 Regulatory Change 1. Institutional ex-Markets Net Interest Income divided by average Credit Risk Weighted Assets; 2. Lending NIM represents Corporate Finance and Trade & Supply Chain; 3. Risk Adjusted Lending Margin is calculated as Net Interest Income divided by average Credit Risk Weighted Assets for Corporate Finance and Trade; 4. Calculated Net Interest Income divided by Average Interest Earning Assets; 5. Deposit NIM represents Net Interest Income divided by Net Internal Assets for Payments & Cash Management (PCM) 92

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