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Investor Presentaiton

1. ANZ 2023 Half Year Results AUSTRALIA HOME LOANS - PORTFOLIO RESILIENCE Fixed rate Home Loan expiry profile, $b 27 14 20 18 24 11 ANZ flow borrowing capacity', 1H23 9% 2% 89% Surplus Capacity Minimal Capacity At Capacity 30+ DPD at Mar 23 by fixed rate expiry month 1H22 2H22 1H23 2H23 1H24 2H24 >2H24 1.5 The chart reflects the 30+ DPD as at Mar 23 for all fixed rate loans that expired in the specified month e.g. the 30+ DPD as at Mar 23 for all fixed rate loans that expired in Apr 22 is 0.8% For new ANZ fixed rate loans, serviceability is assessed as: 1.0 • if the standard variable rate (less customer discount) plus the 3% serviceability buffer is higher than the customer fixed rate, then the higher of the standard variable rate (less customer discount) plus 0.8% 0.8% 0.9% 0.8% 0.7% 0.6% 0.6% 0.5% 0.5% 0.5 0.4% 0.3% the 3% serviceability buffer and the floor rate which is currently 5.1% • else the higher of the customer fixed rate plus the 3% serviceability buffer and the floor rate which is currently 5.1% 0.0 Apr 22 May 22 Jun 22 Jul 22 Aug 22 Sep 22 Oct 22 Nov 22 Dec 22 Jan 23 Feb 23 Portfolio 30+ DPD at Mar 23 30+ DPD by fixed rate expiry month Majority of lending 'at capacity' is bridging finance while 'minimal capacity' reflects the proportion of customers with a borrowing capacity of less than $50 of uncommitted monthly income (UMI). Borrowing capacity is determined after income and expense buffers and shading are applied, and based on verified income only therefore the customer's actual borrowing capacity will be higher than what is reflected in the chart 130
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