Investor Presentaiton

ANZ 2023 Half Year Results ANZ PLUS HOME LOANS BETA LAUNCHED IN DECEMBER Leveraging ~70% reusable business services with a focus on process automation ANZPlus reusable cloud-based technology stack is delivering 0 $18,622.38 $3,072.38 $2250.00 Home Deposit Ray Day ~70% of business services built for Save & Transact proposition have been reused for ANZ Plus Home Loans including: Enabling focused build on the Home Loans proposition and beta release Home Loans MVP to launch in 2023 Congratulations! You're approved to refinance $525,387 Video00 Dy Continue to Settement Speck to Coach Identity and access management • Customer relationship management tool • Banking Services platform, includes self-service tools Automated credit decisioning Customer coach assisted servicing Customer data services Implemented 10 new business services and 4 new platforms supporting the Home Loans beta launch in Dec2022 • New loan origination and management platform including statement of position Automated loan documentation generation Highly automated loan settlement Automated processes throughout the Home Loan journey with intervention by exception Application Easy to use digital application form, including pre populated data 8 Credit Assessment Automated credit decisioning and fast determination of property market value Settlement Highly automated loan documentation and settlement रही 2025+ 2024 2023 Home Loans BETA released Dec 22 Home Loans MVP to launch in 2023 Scale existing Home Loans propositions and roll out Credit Cards, Personal Loans 45

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