Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA COMMERCIAL - BOOK COMPOSITION & RISK WEIGHT INTENSITY Diversified portfolio - Geographical view Mar 23 % of Exposure at Default (EAD)¹ Security profile 13% 8% 29% 10% VIC/TAS NSW/ACT QLD WA SA/NT Other 14% 26% Diversified portfolio - Industry view Mar 23 % of Exposure at Default (EAD) % of Exposure at Default (EAD) 2,3 5% 5% 3% 5% 13% 3% 12% 5% 3% 5% 11% 13% 77% 79% 80% 81% Sep 21 Mar 22 Fully Secured Partially Secured Sep 22 Unsecured Mar 23 Other Risk weight intensity², $b 17% Comm. Property & Construction Agri., Forestry & Fishing Retail Trade 58.5% 55.7% 25% 71 70 5% 5% Other Property & Bus. Services Manufacturing 51 52 55.6% 50.2% 73 71 52 54 47 6% Health & Community Services 6% 20% Accom. Cafes & Restaurants 8% Sep 21 Mar 22 Sep 22 Mar 23 8% Wholesale Trade Other Industries Total CRWA/EAD EAD Total RWA 1. 2. States based on primary postcode. 'Other' refers to exposures not reported against a specific state. Some postcodes occur across two states Excludes the Merchants divested business results in the Sep 21 period 3. Fully Secured on a market value basis. Other includes loans secured by cash or via sovereign backing 83

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