Investor Presentaiton

ANZ 2023 Half Year Results THE BANK WE'RE BUILDING Eight goals aligned with our business model 1. We support a higher share of customers in our target segments 2. Our customers have greater financial wellbeing over their lifetime, and implement more sustainable business practices than others 3. Our customers are more engaged, more loyal and avail themselves of more of the right products and services than those banking with peers 4. We serve our customers more efficiently and our systems are safer and more reliable 5. We attract and retain more of the people with the skills required to reinvent banking, in line with our purpose and culture 6. We generate stronger long-term financial results than our peers, which is reflected in our valuation 7. Our reputation with customers, community, potential employees and regulators is better, both absolutely and relative to (domestic) competitors (existing and emerging) 8. Our practices and services provide more opportunity for the community and we have supported and improved positive economic development and transition Value Creation Model Better access to capital and talent, driving greater capacity to invest Better financial outcomes Better acquisition & retention, higher share of target customers Better customer propositions: 'purposeful', engaging, efficient and 'safe' Customers will have better financial wellbeing, more sustainable practices and generate higher life-time value for shareholders Better data, risk decisions and pricing Better financial wellbeing & sustainability outcomes More engaged workforce Higher customer engagement, greater use of our products and services 43 33

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