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ANZ 2022 Full Year Results

ANZ 2022 Full Year Results AUSTRALIA & NEW ZEALAND 90+ DAYS PAST DUE (DPD) Customer Portfolio 1,2,3 % of Total Portfolio Balances 5.0 4.5 4.0 3.5 3.0 2.5 2.0 1.5 55 1.0 0.5 0.0 Mar 17 Sep Mar 17 18 Sep 18 Mar 19 Sep 19 Mar 20 Sep Mar Sep Mar Sep 20 21 21 22 22 Australia Home Loans Australia Consumer Cards Australia Personal Loans NZ Home Loans 1. Includes Non Performing Loans 2. ANZ delinquencies are calculated on a missed payment basis for amortising and Interest Only loans 3. Australia Home Loans 90+ DPD between Mar 20 and Jun 20 excludes eligible Home Loans accounts that had requested COVID-19 assistance but due to delays in processing had not had the loan repayment deferral applied to the account 85

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