ANZ Capital Summary and Key Financials

Source: CAPITAL POSITION Until 1 July 2022, RBNZ will allow ordinary dividends of up to 50% of bank earnings • RBNZ expects to remove this pandemic-related dividend restriction from 1 July 2022 (subject to no significant worsening of economic conditions) • Total capital ratio at 31 March 2021 was 15.9%, above the RBNZ's requirement of 10.5% ANZ Capital ratios 15.9% 14.4% 14.4% 13.7% 2.8% 12.3% 0.5% 3.3% 2.7% 1.2% 3.2% 0.4% 13.1% 10.7% 11.1% 11.7% 10.0% Sep 14 Sep 16 Sep 18 Common Equity Tier 1 Sep 20 Additional Tier 1 Mar 21 Tier 2 Total Capital Requirement 10.5% Page 14 of 22

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