Investor Presentaiton

ANZ Capital Notes 9 DISCLAIMER This presentation has been prepared by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZBGL") in connection with the offer ("Offer") of ANZ Capital Notes 9 ("ANZ Capital Notes 9" or "Notes"). The Offer is being made under a prospectus ("Prospectus") that was lodged with ASIC on 14 February 2024 and a replacement Prospectus, that will include the Margin determined after the Bookbuild, that is expected to be lodged with ASIC on 22 February 2024. The Prospectus is available (and the replacement Prospectus will be available) on ANZBGL's website, capitalnotes.anz.com. Applications for Notes can only be made as specified in the Prospectus. The material in this presentation is general background information current as at the date of this presentation. It is information given in summary form and does not purport to be complete. This presentation is not a prospectus or other disclosure document under Australian law and does not constitute an invitation to subscribe for or buy any securities or an offer for subscription or purchase of any securities or a solicitation to engage in or refrain from engaging in any transaction. The information in this presentation is prepared for Institutional Investors and Wholesale Investors only. It is not investment or financial product advice and is not intended to imply any recommendation or opinion about Notes. It does not take into account your investment objectives, financial situation or particular needs. In considering whether to apply for Notes, it is important that: (1) if you are a Retail Investor, you are within the Notes Target Market. The Notes Target Market is set out in section 4.1 of the Prospectus. If you are a Retail Investor, you can only apply for the Notes if you are within the Notes Target Market and have received professional advice in relation to your application (see the Prospectus for further details); and (2) you consider all risks and information regarding an investment in Notes in light of your particular investment objectives, financial situation and needs, as the Offer and the information in this presentation and the Prospectus do not take into account those particular investment objectives, financial situation or needs. This presentation may contain forward-looking statements or opinions including statements regarding the ANZ Group's intent, belief or current expectations with respect to ANZBGL, ANZ Group Holdings Limited (ABN 16 659 510 791) ("ANZGHL") or the ANZ Group's business operations, market conditions, results of operations and financial condition, capital adequacy, sustainability objectives or targets, specific provisions, management practices and transactions the ANZ Group is undertaking or may undertake. Those matters are subject to risks and uncertainties that could cause the actual results and financial position of the ANZ Group to differ materially from the information presented herein. When used in this presentation, the words 'forecast', 'estimate', 'goal', 'target', 'indicator', 'plan', 'pathway', 'ambition', 'modelling', 'project', 'intend', 'anticipate', 'believe', 'expect', 'may', 'probability', 'risk', 'will', 'seek', 'would', 'could', 'should' and similar expressions, as they relate to the ANZ Group and its management, are intended to identify forward-looking statements or opinions. Those statements and opinions: are usually predictive in character; or may be affected by inaccurate assumptions or unknown risks and uncertainties; or may differ materially from results ultimately achieved. As such, these statements and opinions should not be relied upon when making investment decisions. There can be no assurance that actual outcomes will not differ materially from any forward-looking statements or opinions contained herein. These statements and opinions only speak as at the date of publication and no representation is made as to their correctness on or after this date. Forward-looking statements and opinions constitute "forward-looking statements" for the purposes of the United States Private Securities Litigation Reform Act of 1995. ANZBGL and ANZGHL do not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events. None of ANZBGL, ANZGHL or the Joint Lead Managers ("JLMS") make any representation or warranty as to the accuracy of such statements or opinions. Except as required by law, and only then to the extent so required, neither ANZBGL, ANZGHL or the JLMs nor any other person warrants or guarantees the future performance of the Notes or any return on any investment made in Notes. The information in this presentation is not intended to be relied on and in all cases anyone proposing to use the information should independently verify and check its accuracy, completeness, reliability and suitability. The information in this presentation is not intended to create any legal or fiduciary relationship and is subject to change without notice (but neither ANZBGL nor ANZGHL is under any duty to update or correct it). Diagrams used in this presentation are illustrative only and may not be drawn to scale. Unless otherwise stated, all data contained in charts, graphs and tables is based on information available at the date of this presentation. This presentation has been prepared based on information in the Prospectus and generally available information. Investors should not rely on this presentation but should instead read the Prospectus in full before making an investment decision. Terms defined in this presentation have the meaning given to them in the Prospectus. To the maximum extent permitted by law, none of ANZBGL, ANZGHL or the JLMs, their respective related bodies corporate, or their directors, employees or agents, nor any other person accepts any liability for any loss arising from the use of this presentation or its contents or otherwise arising in connection with it, including, without limitation, any liability arising from fault or negligence on the part of ANZBGL, ANZGHL or the JLMS, their respective related bodies corporate, or their directors, employees or agents. The distribution of this presentation in jurisdictions outside Australia may be restricted by law. If you come into possession of it you should seek advice on such restrictions and observe any such restrictions. Any failure to comply with such restrictions may constitute a violation of applicable securities laws. This presentation does not constitute an offer in any jurisdiction in which, or to any person to whom, it would not be lawful to make such an offer. In particular, the Notes have not been and will not be registered under the U.S. Securities Act of 1933, as amended ("Securities Act"), or the securities laws of any state or jurisdiction of the United States and may not be offered, sold or resold, directly or indirectly, in the United States or to, or for the account or benefit of, any U.S. person (as defined in Regulation S under the Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the Securities Act. Notes are not deposit liabilities or protected accounts of ANZBGL under the Banking Act or guaranteed or insured by any government, government agency, compensation scheme, ANZGHL or by any other person. 1