Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA & NEW ZEALAND 90+ DAYS PAST DUE (DPD) Consumer portfolio¹ 90+ DPD as a % of total portfolio balances 1.50 1.25 1.00 0.75 0.50 0.25 0.00 Sep Dec Mar 18 18 19 Jun 19 Sep Dec Mar Jun 19 19 20 20 Sep 20 Dec 20 Mar 21 Jun 21 Sep Dec Mar Jun Sep Dec Mar 21 21 22 22 22 22 23 Australia Home Loans Australia Consumer Cards NZ Home Loans 1. Includes Non Performing Loans. ANZ delinquencies are calculated on a missed payment basis for amortising and Interest Only loans. Australia Home Loans 90+ between Mar-20 and Jun-20 excludes eligible Home Loans accounts that had requested COVID-19 assistance but due to delays in processing had not had the loan repayment deferral applied to the account 88 87

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