Investor Presentaiton

ANZ 2023 Half Year Results CONTENTS Results Presentations Chief Executive Officer (CEO) Chief Financial Officer (CFO) Investor Discussion Pack 3 3 22 40 40 Corporate Overview 41 Environment, Social & Governance (ESG) 49 Group Performance 57 Divisional Performance 76 176 Treasury 97 Risk Management 109 Housing Portfolio 125 Shareholder Centre & Investor Relations Contacts 136

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