Investor Presentaiton

ANZ 2023 Half Year Results 1H23 NET INTEREST MARGIN (NIM) - MOVEMENT Group NIM, bps 168 -9 20 Aus housing -6 NZ housing -2 Other -1 Aus Retail +6 NZ Retail +2 Corp/Inst. +12 -3 2H22 Asset pricing Deposit pricing and wholesale funding Asset and funding mix Basis: Cash Profit continuing operations 7 183 -2 Capital and replicating portfolio -6 Higher funding costs relating to revenue recorded in Other Operating Income. Overall accretive ROE 175 1H23 before Liquidity and Markets activities Liquidity Markets activities 1H23 28

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