Investor Presentaiton

ANZ 2023 Half Year Results DIGITAL PLATFORMS - SCALABLE OPERATING LEVERAGE, CAPITAL LIGHT Payments¹, m 9% 321 295 148 161 171 Direct Integration Payments 1,2, m NPP Agency Payments 1,2, m Platform Cash Mgmt. Accounts³, k 26% 31% 32% 125 20 411 99 15 312 231 64 58 8 32 76 52 1H22 1H23 1H19 1H20 1H21 1H22 1H23 1H19 1H20 1H21 1H22 Payments made by customers to their suppliers and employees through our digital channels 1H23 Covers payments initiated via Web & Mobile, direct integration with ANZ or via agency agreements whereby ANZ clears payments on behalf of other banks 1H19 1H20 1H21 1H22 1H23 • Automated payments initiated via direct integration between the banks' and our customers' systems • Enables a high degree of automation and control for customers, replacing manual processes with a scalable alternative that removes the need for human intervention 0 1H19 1H20 1H21 • A service whereby ANZ clears & settles real- time payments for customers of Appointer banks on their behalf • Powering other banks' customers with real- time payments • • Deposit management for entities holding funds on behalf of their clients Supporting CX in provision of client money accounts to activate services/transactions Digital Self Service . Extended Digital Self Service capability to New Zealand, reducing customer effort, manual error risk and operational rework • Removed ~30 manual forms involved in enabling Digital Self Service for Australian customers • 20% increase in Digital Self Service usage Data Insights Developed MLOps cloud framework to enable Machine Learning insights at scale Enhanced data insights delivered through our web platform, Transactive Global, providing customers with near real-time access to Australian consumer spend analysis • API Integration Delivered FX Rates API in New Zealand, integrating ANZ's FX liquidity into our customers' internal systems, allowing them to execute FX transactions seamlessly and without manual intervention Incidents per Million Payments 0.02 incidents per million payments for 1H FY23, delivering quality and resilient payment platforms for customers despite growing volumes Platform initiatives are enabling additional revenue opportunities within ANZ Payments & Cash Management 1. Number of payments 2. Subset of total payments 3. Number of Australian virtual client monies accounts 88

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