ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation AUSTRALIA HOME LOANS - BOOK ORIGINATED AND ATTRIBUTES Home Loans portfolio, Sep 22 283 > 24 months 57% 123 13 24 months 18% 80% or less LVR 80% <= 12 months 25% >80% LVR 20% Sep 22 Time on Book ($b) Sep 22 Origination LVR profile 1. 2. ANZ has limited exposure to recently originated lending at high LVRs with no LMI, and much of this cohort has savings buffers in excess of 3 months of repayments: • $4b of the $283b Home Loans portfolio (or <1.5%) has been on book less than 24 months, has an LVR of greater than 80% with no LMI and less than 3 months savings buffers 24 Of the $4b with less than 3 months savings buffer: Yes Yes 13 . 46% $1.2b (29%) are investor loans No 54% No 69% 31% • Sep 22 Sep 22 LMI $475m (11.5%) have UMI²≤ $100 $68m (1.65%) are one or more payment past due and <$1m (0.02%) are 90+ days past due Customer has 3 months+ savings buffer¹ Buffers are calculated at customer level, incorporating all Retail debts within the customer cluster at ANZ, and all funds available in ANZ redraw, offset and transaction and savings accounts Uncommitted monthly income (UMI) is determined after income and expense buffers and shading are applied, and based on verified income only 92 22

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