Investor Presentaiton

ANZ 2023 Half Year Results NEW ZEALAND DIVISION - BALANCE SHEET Housing1 Business² Agri ANZ Performance (NZDb) ANZ Performance (NZDb) ANZ Performance (NZDb) 150 15 30 103.1 104.2 104.6 100 10 6.9 7.3 7.3 20 15.7 15.4 15.1 50 5 10 0 0 Mar 22 Sep 22 0 Mar 23 Mar 22 Sep 22 Mar 23 Owner Occupied Residential Investment Loan Other lending Commercial Property Mar 22 Dairy Sep 22 Sheep, cattle and grain Mar 23 Other Relative to system growth³ 30.7% 30.4% 30.1% Relative to system growth³ 22.3% 21.9% 21.8% 4.4% 3.4% 4.5% 4.9% 4.1% 1.8% 1.6% 2.3% 1.1% 0.4% 0.4% 1H22 2H22 1H23 -0.3% 1H22 2H22 1H23 System growth ANZ growth Market share 1. Housing includes business loans secured by residential properties 2. Business excludes business loans secured by residential properties 3. Source: RBNZ, market share at NZ Geography level Relative to system growth³ 25.9% 25.2% 24.8% 0.9% 0.4% -1.4% -2.5% -1.7% -1.2% 1H22 2H22 1H23 86 98

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