Investor Presentaiton

1. 2. ANZ 2023 Half Year Results REGULATORY CAPITAL - 1H23 UPDATE ANZ Bank Group Capital update Level 2 CET1 ratio of 13.2% (18.9% on an Internationally Comparable basis¹) or ~12.1% on a pro forma basis including Suncorp Bank acquisition and surplus capital in NOHC. This is above the operating range (11% - 11.5%) advised by APRA's guidance released in July 22 CRWA growth mainly reflects increased volume in Retail Australia and Institutional; IRRBB RWA decrease partially offset by increase in Market Risk RWA Leverage ratio of 5.3% (or 5.9% on an Internationally Comparable basis) Level 1 CET1 ratio of 12.9% or ~12.3% pro forma for the Suncorp Bank acquisition ANZ Group Dividend • Interim Dividend of 81 cents fully franked, ~64% DPOR on 1H23 Cash profit from continuing operations (~61% DPOR on a excl. LNI basis) Regulatory update • APRA Capital Reforms took effect from 1 January 2023 with benefits from reduction in RWA offset by increased capital buffers. On track with RBNZ capital reform transition, including issuance of RBNZ compliant capital securities APRA Level 2 Common Equity Tier 1 (CET1) ratio - 1H23 Movement, % i L1 12.0% 1.00 0.14 0.23 12.29 -0.29 -0.13 -0.06 L1 12.9% 13.18 i L1 12.3% 0.06 12.10 -1.14 Sep 22 APRA Capital Reform² Underlying CRWA (ex FX) Non-CRWA (ex FX) IRB Floor Adjustment Capital generation NOHC Surplus Mar 23 Suncorp Bank & other Capital Transferred Surplus acquisition (incl. NOHC Capital IRB Floor adj) Mar 23 pro forma Internationally Comparable methodology aligns with The Australia Banking Association BASEL 3.1 Capital Comparison Study (Mar 2023) Capital Reform impacts includes $28.5bn CRWA decrease and $6.0 billion Operational Risk RWA decrease 99

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