Investor Presentaiton

ANZ 2023 Half Year Results 1H23 NET INTEREST MARGIN (NIM) - CUSTOMER DEPOSITS Customer deposit portfolio contribution to 1H23 NIM (excl. replicating balances)1, $b 535 571 Term Deposits 44% 37% Group NIM movement contributions in 1H232 Term Deposits +2bps AUD Non- AUD Business Business At-Call Deposits Non- AUD AUD At-Call 35% +10bps 32% Deposits Retail Retail At-Call Non- At-Call Deposits 28% 24% Deposits +8bps AUD AUD Sep 22 Mar 23 Basis: Cash Profit continuing operations 1. End of period balances. Excludes deposits from Banks 2. Classification of Business At-Call and Retail At-Call are based on internal segmentation. Basis point (bps) change refers to impact on 1H23 Group NIM relative to 2H22 Total Group +20bps Non- AUD AUD 22 27

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