Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA RETAIL - ANZ PLUS 1. 2. ANZ Plus customers and deposits, cumulative Customers, '000s 300 250 200 150 100 50 A more digital and efficient experience, Mar 23 Digitally verified¹ Deposits, $b 72% 6 5 ANZ 90% ANZ Plus Onboarding effort² -9x ANZ ANZ Plus 4 Onboarding NPS score Customers with a Savings Goal 52 27% 2 1 28 ANZ ANZ Plus A diverse range of customers Total customers by age group, Mar 23 8% ANZ ANZ Plus 0 Apr May Jun Jul Aug Sep Oct Nov Dec Jan 22 22 22 22 22 22 22 22 22 23 Feb Mar Apr 23 23 23 Up to age 25 26-35 36-50 25% 26% 25% 51+ 24% Customers (LHS) Total deposits (RHS) Customers eligible for electronic verification and completed their KYC / Total customers successfully electronically verified. Based on total customers joining ANZ Plus in 1H23 Estimated human effort attributable in branch to deposit sales vs coach effort in ANZ Plus for deposit sales 10

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