Investor Presentaiton

ANZ 2023 Half Year Results BALANCE SHEET STRUCTURE1 NSFR movement, % Pro forma NSFR is ~116.3% once RSF benefit associated with TFF is removed Balance sheet composition, Mar 23 1.9 119.1 2.0 118.6 0.5 -0.8 -4.1 Sep 22 Retail/ Corp/ Loans Capital & LT Debt Hybrids Other² Mar 23 Operational FI Deposits NSFR Composition, Mar 23 $b 614 Wholesale Funding & Other³ Non-Financial Corporates Retail/SME Capital Available Stable Funding 517 Liquids Liquid and Other Assets 37% FI Lending 5% Non-FI Lending 21% Offshore Short Term W'sale Debt 4% Domestic Short Term Wholesale Debt and Other Funding 22% Corporate, PSE and Operational Deposits 26% Retail and SME Deposits 30% and Other Assets4 Other Loans5 Mortgages 37% Residential Mortgages <35% Required Stable Funding Assets Long Term Wholesale Debt 9% Capital incl. Hybrids and Tier 2 9% Funding 2. Includes Securities, Derivatives, Other Assets and net FX impacts 1. NSFR Required Stable Funding (RSF) and Available Stable Funding (ASF) categories and all figures shown are on a Level 2 basis per APRA prudential standard APS210 3. 'Other' includes Sovereign, and non-operational FI Deposits 4. 'Other Assets' include Off Balance Sheet, Derivatives, and Fixed Assets 5. All lending >35% Risk weight 6. <35% Risk weighting as per APRA Prudential Standard 112 Capital Adequacy: Standardized Approach to Credit Risk 7. Includes FI/Bank deposits, Repo funding and other short dated liabilities 8. Includes Central Bank Term Funding (RBA TFF, RBNZ FLP/TLF) 103

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