ANZ 2023 Half Year Results

COLLECTIVE PROVISION (CP) BALANCE & CHARGE ANZ 2023 Half Year Results CP charge, $m CP balance, $m 1.39% 1.25% 1.22% 1.17% 1.17% 1H19 2H19 1H20 2H20 1H21 2H21 1H22 2H22 1H23 1.08% 1.07% 0.98% 0.94% CP charge 13 4 1,048 669 -678 -145 -371 60 163 Volume/Mix -28 -51 0 46 -199 -83 -98 -160 -41 3,378 3,376 0 104 Change in Risk -40 19 17 44 -112 -41 -172 -172 24 24 5,008 4,501 11 696 4,285 4,195 4,040 3,853 746 3,757 760 817 618 727 4,490 4,312 Economic forecast & scenario weights¹ 3,539 99 31 1,124 -106 -417 -31 37 278 100 3,378 3,435 3,272 3,139 3,126 3,223 Additional overlays -18 5 -93 685 50 10 -138 114 1. Includes impact of model changes 2. CP as a % of Credit Risk Weighted Assets (CRWA) 80 60 Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Modelled ECL Additional overlays Sep 21 CP Coverage² Mar 22 Sep 22 Mar 23 113

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