Investor Presentaiton

ANZ 2023 Half Year Results REPORTED GROUP NET INTEREST MARGIN TREND1 Group NIM, bps 240 220 200 180 160 140 120 100 86 80 220 60 40 20 Outlook considerations • Tailwinds Higher capital & replicated deposit earnings Potential for further rate tightening across geographies • 0 • 1H122H121H132H13 1H142H141H152H15 1H162H161H172H171H182H181H192H19 1H202H20 1H212H21 1H222H22 1H23 Flat or declining AUD Official Cash Rate throughout this time period Basis: Cash Profit continuing operations 1. Group Net Interest Margin for each Half Year as reported in the original Results Announcement for each financial period Headwinds Lending & deposit competition Deposit mix changes Higher wholesale funding costs 65

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