Investor Presentaiton

ANZ 2023 Half Year Results INDIVIDUAL PROVISION (IP) CHARGE IP charge, $m 380 398 626 395 IP charge by division1, $m 626 1 272 380 398 395 807 187 7 0-3 6 592 35 40 500 49 69 35 532 87 62 375 -8 -30 155 170 266 162 187 247 123 168 201 3 158 175 55 93 93 80 103 54 51 36 195 185 59 69 69 87 -8 11. -30 156 155 15-3 43 14 -245 -214 -274 -280 -268 -227 -352 -300 -267 75 9 -9 47 45 5 21 32 12 -5 -10 -8 -6 -4 -79 -23 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 New Increased Writebacks & Recoveries Ratios IP loss rate (bps)² Total loss rate (bps)² IP balance/Gross Impaired Assets Aus. Retail Aus. Comm. New Zealand Institutional Pacific/Other 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 12 13 20 12 6 2 3 0 -1 13 13 53 33 -16 -2 -9 2 4 42% 40% 42% 36% 33% 35% 37% 38% 35% 1. 2. 1H22 and 2H22 have not been restated to reflect structural changes for Institutional and New Zealand Annualised loss rate as a % of Gross Loans and Advances (GLA) 112

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