ANZ 2022 Full Year Debt Investor Presentation

NEW ZEALAND HOME LOANS - PORTFOLIO OVERVIEW ANZ 2022 Full Year Debt Investor Presentation FY20 Portfolio FY21 Flow Portfolio FY22 FY21 FY22 FY20 FY21 FY22 Number of Home Loan Accounts 529k 535k 538k 82k 56k Average LVR at Origination 58% 57% 56% Total FUM NZD90b NZD99b NZD104b NZD29b NZD24b Average Dynamic LVR 40% 35% 37% Average Loan Size Market Share² 30.5% 30.4% 30.5% NZD169k NZD185k NZD194k NZD352k NZD434k % Low Doc³ 0.30% 0.26% 0.22% % Owner Occupied 75% 75% 76% 74% 79% Home Loan Loss Rates 0.00% 0.00% 0.00% % Investor 25% 25% 24% 26% 21% % of NZ Geography Lending 67% 70% 71% % Paying Variable Rate Loan¹ 13% 10% 11% 14% 25% % Paying Fixed Rate Loan¹ 87% 90% 89% 86% 75% % Paying Interest Only 21% 15% 13% 18% 20% % Paying Principal & Interest 79% 85% 87% 82% 80% % Broker Originated 40% 43% 47% 46% 56% 1. 2. 3. Flow excludes revolving credit facilities Source: RBNZ, market share at NZ Geography level, FY22 data as at August 2022 Low documentation (Low Doc) lending allowed customers who met certain criteria to apply for a mortgage with reduced income confirmation requirements. New Low Doc lending ceased in 2007 97 57

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