Investor Presentaiton

ANZ 2023 Half Year Results NEW ZEALAND¹ 1H23 vs 1H22 (NZD) Customer Deposits, NZDb Net Loans and Advances, NZDb Market share and ranking³ Revenue growth #1 #2 #1 #1 129 128 125 ↑ 14% 30.1% 104 104 105 26 24 25 34 38 42 Risk adj. margins² ↑ 53bps 22 22 22 102 103 103 (to 6.16%) 48 44 41 24.8% 21.8% 19.3% Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 Transact Savings Term Deposits Personal Business Housing Business Agri Funds lending lending lending Mgt (KiwiSaver) 1. New Zealand Division 2. Basis: Cash Profit continuing operations Net interest income as a percentage of average credit risk weighted assets 3. Source: RBNZ, market share at as at Mar 23, Funds Mgt (KiwiSaver FUM) as at Dec 22 15

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