Investor Presentaiton

ANZ 2023 Half Year Results CREDIT QUALITY Individual Provision Charge / Avg. Gross Loans & Advances¹, % 0.35 0.30 0.25 0.20 0.15 0.10 0.05 0.00 -0.05 FY16 FY17 FY18 FY19 FY20 FY21 FY22 1H23 ANZ Peer 1 Peer 2 Peer 3 - -- ANZ 1H23 1. Source: Full Year loss rate data sourced from publicly available company financials Substantially reshaped our portfolio since 2016 . Sold or exited >30 businesses • Grown in "lower loss" portfolios: • Sovereign Mortgage Bank • Investment grade corporates • Decreasing exposure to "higher loss" portfolios and segments: • . Reduced exposure to non- investment grade corporates while increasing collateral Reduced / restricted exposures to unsecured retail, unsecured small business, third party asset finance 35

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