Investor Presentaiton

POSITIONING FOR LONG TERM SUCCESS ANZ 2023 Half Year Results PREPARING for a successful approval & integration of Suncorp Bank INVESTING further in the differentiation of our Australia Retail business on the lower cost, more flexible, ANZ Plus platform GROWING Commercial Banking Sustainable Finance Payments & currency platforms in Institutional Selective growth in Aus. & New Zealand home loans MAINTAINING risk disciplines & continuing to recycle capital to improve risk adjusted returns INCREASING focus on productivity while protecting our culture & employee engagement 21 21

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