Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA COMMERCIAL - LOANS & DEPOSITS Lending composition', $b 56 1 Deposit composition, $b 56 59 59 111 116 112 113 ■1 1. ■1| 28 30 30 29 17 18 20 20 21 19 21 27 38 38 39 39 Sep 21 Mar 22 Sep 22 SME Banking Specialist Business Central Functions SME Banking1, $b 74 1. 38 78 38 39 Sep 21 Net Loans & Advances 77 62 67 61 57 Mar 23 Sep 21 Mar 22 Sep 22 Mar 23 Savings Term Deposits Transact 39 77 Mar 22 Sep 22 Mar 23 Customer Deposits Asset Finance run-off businesses have been excluded from NLAS Specialist Business $b 37 17 Sep 21 18 Net Loans & Advances 38 Mar 22 20 35 20 20 36 Sep 22 Mar 23 Customer Deposits 22 82

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