Investor Presentaiton

ANZ 2023 Half Year Results NET INTEREST MARGIN (NIM) & RISK ADJUSTED MARGIN Indexed data, FY16 = 100 115 110 105 100 95 00 90 85 80 Risk Adjusted Margin excl. Markets¹ 1H23: 65bps above FY16, mainly reflects the benefits from ongoing portfolio de-risking and risk management discipline Group NIM excl. Markets¹ - Group NIM 1H23:31bps below FY16 75 FY16 FY17 FY18 FY19 FY20 FY21 FY22 1H23 1H23 excl. Capital Reforms² Group NIM excl. Markets¹ Risk Adjusted Margin excl. Markets¹ - O - Group NIM incl. Markets 1. Markets Business Unit 2. Excluding the impacts of APRA Capital Reforms (effective date of 1 January 2023) 29

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