Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA RETAIL - LOANS & DEPOSITS 1. Lending composition, $b Deposit composition, $b 290 301 6 156 147 150 141 23 284 285 23 26 26 6 6 44 39 41 43 278 278 284 295 16 14 16 28 63 66 65 62 Sep 21 Home Loans Mar 22 Sep 22 Mar 23 Sep 21 Mar 22 Savings Term Deposits Offset Sep 22 Transact Mar 23 Cards, Personal Loans & Other Market Share¹, % 18.3 17.9 17.6 17.2 13.7 13.2 13.0 13.2 Monthly deposit trend, $b 160 150 140 12.5 12.4 130 12.1 11.8 120 110 Sep Mar Sep Mar Sep Mar Sep Mar 19 20 20 21 21 22 22 23 Housing Lending Credit Cards Household Deposits Sep 21 Mar 22 Sep 22 Mar 23 Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS) 79

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