ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation INSTITUTIONAL - FINANCIAL PERFORMANCE Balance Sheet NLAS¹ ($b) & NIM Income Product Composition³ ($m) Expenses / FTE Expenses ($m) Credit Quality/RWAS Total Provision Charge ($m) Profit and Returns Cash Profit ($m) 197 2,637 2,478 175 2,432 2,387 17- 158 18 14 14 1,171 1,210 1,245 17 1,149 1,033 969 147 55 945 828 1,015 40 870 857 15 927 -8 -23 1.52% 1.59% 1.64% 1.64% -50 -25 619 631 634 864 -104 -33 -35 1,012 930 812 741 -49 Mar 21 Sep 21 Mar 22 Sep 22 1H21 1H21 2H21 1H22 2H22 2H21 1H22 2H22 1H21 2H21 1H22 2H22 1H21 2H21 1H22 2H22 NLAS Markets Risk Adjusted Lending Margin² TB CF Other IP CP Customer Deposits ($b) NII/OOI Contribution ($m) FTE Risk Weighted Assets EOP ($b) Return 259 2,637 240 244 2,478 224 2,432 6,053 6,184 6,236 6,236 192 178 169 179 2,387 2.80% 2.86% 2.67% 2.74% 855 114 125 130 137 960 846 766 20 22 20 20 1,518 1,586 1,621 1,782 169 171 186 198 1.09% 1.11% 0.97% 1.07% 90 93 93 102 Mar 21 Sep 21 Mar 22 Sep 22 1H21 2H21 1H22 2H22 Mar 21 Sep 21 Mar 22 Sep 22 Mar 21 Sep 21 Mar 22 Sep 22 1H21 2H21 1H22 2H22 RWA Avg RWA Aus & PNG NZ International Net Interest Income Revenue / Avg RWA Other Operating Income Return/ Avg RWA4 Basis: Continuing Operations Excluding Large / Notable items 1. NLAs: Net Loans & Advances Risk Adjusted Lending Margin is calculated as Net Interest Income divided by average Credit Risk Weighted Assets for Corporate Finance and Trade TB: Transaction Banking; CF: Corporate Finance 2. 3. 4. Cash profit divided by average Risk Weighted Assets 55

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