ANZ 2022 Full Year Debt Investor Presentation

ANZ 2022 Full Year Debt Investor Presentation ANZ'S TIER 2 CAPITAL PROFILE¹ ANZ's Tier 2 capital requirement to progressively increase to meet TLAC requirement Tier 2 capital, Notional amount % • ANZBGL has issued $15.3b since July 2019 across AUD, EUR, GBP, JPY, SGD and USD • APRA announced a finalised Tier 2 capital requirement of 6.5% of RWA by 1 January 2026 (current Tier 2 ratio is 4.2%) 22% • Suncorp Bank related RWA requires ~$2.5b of additional Tier 2 TLAC requirements by 1 January 2026 • ANZBGL (inclusive of Suncorp Bank requirements) FY23 Tier 2 issuance needs expected to be ~$6.0-6.5b • Planned issuance in multiple currencies in both callable and bullet format . In addition to ANZBGL Tier 2 TLAC needs, ANZ NZ has modest Tier 2 requirements of 2% of ANZ NZ RWA by 2028 under RBNZ requirements. ANZ NZ has issued NZD ~$1.4b Tier 2 under these rules since September 2021 Well managed amortisation profile provides flexibility regarding issuance tenor Funding profile, Notional amount $m 1. 2. 3,437 2,937 131 FY23 FY24 5,637 2,609 78% 5% USD 5% 3% 5% AUD Domestic 37% EUR Callable Bullet 15% AUD Offshore JPY GBP 30% SGD Capital amortisation profile², $m 2,849 824 900 622 HH FY25 FY26 FY27 FY28 FY29 FY31+ Scheduled Bullet and Call Date Profile 2,444 3,893 3,811 2,609 900 622 2,849 FY23 FY24 FY25 FY26 FY27 FY28 FY29 FY31+ Callable Bullet Amortisation Profile is AUD equivalent based on historical FX, excluding Perpetual Floating rate notes issued 30 October 1986, ANZ NZ $600m floating rate notes issued September 2021 and ANZ NZ USD$500m fixed rate notes issued August 2022. Comprises Tier 2 capital in the form of Capital Securities only (i.e. does not include other Tier 2 capital such as eligible General reserve for impairment of financial assets) Amortisation profile is modelled based on scheduled first call date for callable structures and in line with APRA's amortisation requirements for bullet structures 65

View entire presentation