Investor Presentaiton

ANZ 2023 Half Year Results CAPITAL APRA Level 2 CET1 ratio, % 0.88 12.29 1.00 -0.28 13.18 -0.47 -0.06 -0.18 0.06 12.10 -1.14 Sep 22 Capital Reform¹ Cash Profit Underlying RWA usage FY22 final dividend NOHC surplus capital Other Mar 23 Suncorp Bank acq/n NOHC surplus capital Mar 23 pro forma 1. Capital Reform impacts includes $28.5b Credit Risk Weighted Assets decrease and $6.0b Operational Risk Weighted Assets decrease 36

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