Investor Presentaiton

ANZ 2023 Half Year Results OPERATING INCOME Total operating income, $m 301 9,599 555 394 ↑ 10% Income growth, 1H23 vs 2H22 23% 10,528 -321 13% 4% Aus. Retail Aus. Comm Institutional Risk adjusted margins 1,2, % 6.18 6.28 6.43 1% NZ (NZD) 8.06 8.37 7.05 Aus. Retail Aus. Comm 2.78 2.94 6.30 6.47 6.16 2.40 2H22 Volume¹ Margin¹ Markets income Other operating income¹ 1H23 Institutional NZ (NZD) 2H22 1H23 excl. capital reforms³ 1H23 Basis: Cash profit continuing operations 1. Excluding Markets Business Unit 2. Net interest income as a % of average Credit Risk Weighted Assets 3. Excluding the impacts of APRA Capital Reforms (effective date of 1 January 2023) 25

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