Investor Presentaiton

ANZ 2023 Half Year Results NET LOANS AND ADVANCES Australia Retail, $b Australia Commercial, $b New Zealand, NZDb Institutional, $b +4% 0% 0% +1% 301 60 285 290 58 6 2. 8+ 60 129 128 207 208 1. 125 6 6 -1 188 26 25 41 41 24 18 20 20 20 34 ·1- 2 1 295 278 284 145 149 136 100 101 102 39 39 39 19 21 19 Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 Cards, Personal Loans & Other Home Loans Central Functions Specialist Business Business Markets Other Personal SME Banking Home Loans Corporate Finance Transaction Banking Basis: Cash Profit continuing operations 60 00

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