ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation AUSTRALIA COMMERCIAL - FINANCIAL PERFORMANCE Balance Sheet NLAs¹ ($b) 59 55 56 56 59 Income NII/OOI Contribution ($m) Expenses / FTE Expenses ($m) Credit Quality/RWAs Total Provision Charge ($m) Profit and Returns Cash Profit ($m) 1,285 147 1,346 160 1,574 166 649 653 672 635 640 1,307 153 58 43 553 553 14 -62 -5-6 -11 518 -48 -165 -211 1,408 1,138 1,186 1,154 -122 -153 Mar 21 Sep 21 Mar 22 Sep 22 1H21 2H21 1H22 2H22 1H21 2H21 1H22 2H22 1H21 2H21 1H22 2H22 1H21 2H21 1H22 2H22 Net Interest Income IP CP Other Operating Income Customer Deposits² ($b) NIM (%) FTE Risk Weighted Assets EOP ($b) Return 116 107 111 113 2.01% 2.03% 1.89% 2.30% 2,803 2,906 54 2,728 2,799 52 51 52 5.22% 5.09% 4.84% 5.94% 2.40% 2.08% 2.01% 2.16% Mar 21 Sep 21 Mar 22 Sep 22 1H21 2H21 1H22 2H22 Mar 21 Sep 21 Mar 22 Sep 22 Mar 21 Sep 21 Mar 22 Sep 22 1H21 2H21 1H22 2H22 Revenue/Avg RWA Basis: Continuing Operations Excluding Large / Notable items 1. NLAs: Net Loans & Advances; Asset Finance run-off businesses have been excluded from NLAs 2. 3. Sep 22 balance has been adjusted to exclude the transfer of Business offset accounts from Australia Commercial to Australia Retail Cash profit divided by average Risk Weighted Assets Return/ Avg RWA³ 51

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