Investor Presentaiton

ANZ 2023 Half Year Results INSTITUTIONAL - FINANCIAL PERFORMANCE Balance Sheet Income Expenses & FTE Credit Quality & RWA Profit & Returns NLAs¹, $b & Margins, % Product Composition³, $m Expenses, $m Total Provision Charge, $m Cash Profit, $m 1,597 3,444 1,273 1,293 1,328 2,793 13 | 1 | 5' 1,128 598 207 208 2,555 1,149 -15 809 188 -26 755 812 -2 114 391 16 249 1.94% 15 -25 -79 1,196 1.73% 1.71% 1,136 199 234 1,071 750 657 886 1,105 496 503 -74 -6. Mar 22 Sep 22 Mar 23 1H22 2H22 1H23 1H22 2H22 1H23 Mar 22 Sep 22 Mar 23 1H22 2H22 1H23 NLAS TB Other IP CP Aus. & PNG International Risk Adjusted Lending Margin² CF Markets New Zealand Customer Deposits, $b NII/OOI Contribution, $m FTE 278 3,444 247 263 6,323 6,316 6,353 192 Risk Weighted Assets EOP, $b 203 Return 201 2,793 2,555 1,373 130 138 152 868 783 23 23 24 1,772 1,925 2,071 3.43% 2.67% 2.75% 1.59% 199 208 1.11% 183 0.84% 94 102 102 Mar 22 Sep 22 Mar 23 1H22 2H22 Aus. & PNG International Net Interest Income New Zealand Other Operating Income 1H23 Mar 22 Sep 22 Mar 23 Mar 22 Sep 22 Mar 23 1H22 RWA EOP RWA AVG 2H22 Revenue/Avg RWA 1H23 Return/Avg RWA4 Basis: Continuing Operations including Large / Notable items Risk Adjusted Lending Margin is calculated as Net Interest Income divided by average Credit Risk Weighted Assets for Corporate Finance and Trade TB: Transaction Banking; CF: Corporate Finance 1. NLAS: Net Loans & Advances 2. 3. 4. Cash profit divided by average Risk Weighted Assets 90

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