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ANZ 2022 Full Year Results

ANZ 2022 Full Year Results GROWTH HAS BEEN RESTORED IN AUSTRALIA HOME LOANS RESTORE Momentum in Australia Home Loan performance Processing capacity +35% home loans Sep 22 vs. Sep 21 Home Loan balance, $b 6.9% annualised Australia Retail performance Risk adjusted margins, % 6.15 6.16 283.1 281.5 280.9 280.4 279.1 Auto credit decisioned 278.4 278.6 79% ANZ branch applications¹ Sep 22 (up from 77% in Mar 22) 1. Branch applications receiving an instant credit decision 5.98 6.18 Mar 22 Apr 22 May 22 Jun 22 Jul 22 Aug 22 Sep 22 1H21 2H21 1H22 2H22

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