Investor Presentaiton

ANZ 2023 Half Year Results CAPITAL & REPLICATING DEPOSITS PORTFOLIO 1. 2. Australia, % 4 3 2 Portfolio Earnings Rate is a combination of term swap rates (hedged component) and 3mth BBSW (unhedged) Portfolio earnings rate, Average % Australia New Zealand 1H20 1.64% 1.88% 2H20 1.20% 1.40% 1H21 0.92% 1.09% 2H21 0.85% 0.99% 1H22 0.84% 1.13% Mar May Jul Sep Nov 21 21 21 21 Portfolio Earnings Rate 21 Jan 22 Mar May Jul 22 22 22 Sep Nov Jan Mar 2H22 1.32% 1.53% 22 22 23 23 1H23 1.90% 1.93% 3m BBSW (Monthly Average) - 5 Year AUD Swap Rate¹ New Zealand, % 6 Portfolio Earnings Rate is a combination of term swap rates (hedged component) and 3mth BKBM (unhedged) Capital² & replicating deposits portfolio + Volume ($A) Australia ~93b New Zealand ~32b International ~10b 2 Volume Change (HoH) ~6b decrease ~1b decrease flat 0 Mar May 21 21 Jul Sep 21 21 Nov 21 Jan 22 Mar May Jul 22 22 22 Sep Nov Jan 22 22 23 Target Duration Rolling 3 to 5 years Various Mar 23 Proportion Hedged ~78% ~92% Various Portfolio Earnings Rate 3m BKBM (Monthly Average) 5 Year NZD Swap Rate¹ Proxy for hedged investment rate Includes other Non-Interest Bearing Assets & Liabilities 107

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