Investor Presentaiton

ANZ 2023 Half Year Results REGULATORY CAPITAL - RISK WEIGHTED ASSETS Risk weighted assets - Level 2, $b Total Credit RWA increase $14.3b (excluding Capital Reform impact) 454.7 2.7 457.4 8.8 Total Capital Reform Impacts 1.3 1.5 0.4 -3.7 -6.0 4.3 435.5 -28.5 Sep 22 FX impacts (credit) Sep 22 FX adjusted Divisional lending Risk Migration Other CRWA impacts Operational Risk RWA Market Risk & IRRBB RWA Op Risk SMA Adoption CRWA Impacts IRB Floor Adjustment Mar 23 Risk weighted assets - IRRBB, $b 38.1 33.4 31.9 4.05% 3.41% 18.0 13.5 10.2 2.60% 0.52% 0.35% 0.14% Sep 20 Mar 21 Sep 21 Mar 22 Sep 22 Mar 23 Embedded Gains/Losses Repricing & Yield Curve Risk Basis & Optionality Risk ◆ 3 yr AUD Swap Rate 101

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