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Investor Presentaiton

ENTERING 2022 FROM A POSITION OF STRENGTH STRONGER CULTURE STRONGER CUSTOMERS STRONGER BALANCE SHEET 81% INDUSTRY LEADING STAFF ENGAGEMENT (ENGAGEMENT SCORE JUL 21) +$25b NET INCREASE IN AUS & NZ RETAIL & COMMERCIAL DEPOSITS (SEP 21 VS SEP 20) ~$6b CET1 CAPITAL ABOVE UNQUESTIONABLY STRONG 35.3% REPRESENTATION OF WOMEN IN LEADERSHIP, UP FROM 33.4% IN SEP 20 >530k SAVINGS GOALS SET THROUGH THE ANZ APP (AUSTRALIA) SINCE LAUNCH IN OCT 19 ~$4b CREDIT RESERVES (COLLECTIVE PROVISION BALANCE) #1 RANKING OVERALL AMONGST MAJOR DOMESTIC PEERS IN THE 2021 REPTRAK CORPORATE REPUTATION SURVEY -20% REDUCTION IN GROUP 90+ DAYS PAST DUE (SEP 21 VS SEP 20) ~40% IMPROVEMENT IN INTERNAL EXPECTED LOSS OVER THE PAST 5 YEARS ANZ 5

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