Investor Presentaiton

ANZ Capital Notes 9 REGULATORY CAPITAL THE ANZBGL LEVEL 2 GROUP'S SEPTEMBER 2023 AND DECEMBER 2023 CAPITAL RATIOS WITH PRO FORMA ADJUSTMENTS FOR THE CN4 REDEMPTION, ISSUE OF $1BN OF NOTES AND COMPLETION OF THE SUNCORP TRANSACTION ANZBGL's summarised consolidated capital adequacy ratios as at 31 December 2023 ANZBGL ANZBGL ANZBGL Level 2 Group¹ Proforma adjustment: Proforma ANZBGL 31 December 30 September 31 December 2023 Proforma adjustment: Proforma ANZBGL 31 Dec 2023 2023 after the 20232 CN9 issue after CN4 Redemption and CN9 Issue CN4 Redemption CN4 Redemption Proforma adjustment: Completion of Suncorp Transaction Proforma ANZBGL 31 December 2024 net of all Proforma Adjustments -1.2% 11.8% Common Equity Tier 1 Capital 13.3% 13.1% 0.0% 13.1% 0.0% 13.1% Additional Tier 1.9% 1.9% -0.4% 1.5% +0.2% 1.8% -0.1% 1.6% 1 Capital Tier 1 Capital 15.2% 15.0% -0.4% 14.6% +0.2% 14.8% -1.4% 13.5% Total Capital 21.0% 20.6% -0.4% 20.2% +0.2% 20.5% -1.7% 18.7% 1. The capital adequacy ratios contained in this table have been rounded to the nearest decimal place. Any discrepancies in the sum of the ratios in this table are due to rounding 2. The summarised consolidated capital adequacy ratios of the ANZBGL Level 2 Group as at 31 December 2023 are extracted from the ANZBGL Basel III Pillar 3 Disclosure as at 31 December 2023 (which are not subject to KPMG's audit or review processes) 17

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