Investor Presentaiton

ANZ 2023 Half Year Results 1H23 FINANCIAL PERFORMANCE Operating income, $m Operating expenses, $m Profit before provisions, $m +10% +4% 10,528 9,599 4,791 4,788 4,997 8,948 4,811 4,157 1H22 2H22 Cash NPAT, $m 3,402 3,113 1H22 2H22 Basis: Cash profit continuing operations +18% 1H23 1H22 2H22 +4% 1H23 1H22 2H22 +15% 5,531 +33% 1H23 Cash EPS, cents 135 cents adj. Return on Equity, % for Suncorp capital raising +12% 11.9% adj. for Suncorp capital raising +7% +60bps 3,821 128 119 11.4 110 +23% 10.8 10.0 +16% +140 bps 1H23 1H22 2H22 1H23 1H22 2H22 1H23 24

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