Investor Presentaiton

ANZ 2023 Half Year Results AUSTRALIA COMMERCIAL - CONTRIBUTION AND PROFIT DRIVERS Contribution (Mar 23), $b 113 Cash Profit drivers (Mar 23), $m Net Interest Income 0 59 1 20 36 77 668 +$222m 248 739 -10 -33 -77 -31 1.8 -26 0.2 39 1.6 Net Loans & Advances¹ SME Banking Customer Deposits Central Functions Total Income (1H23) 2H22 Cash Net interest income Profit Volume Margins Other Expenses Provisions Operating Income Tax 1H23 Cash Profit Specialist Business Other operating income Income Net Interest Income Total Commercial 1H23 v 2H22 1H23 v 1H22 Income +13% +11% Other Operating Income NLA¹ 1H23 v 2H22 +16% -5% 1H23 v 1H22 +41% -63% 1H23 v 2H22 1H23 v 1H22 Expenses +5% +6% SME Banking +0% +2% Profit Before Provisions +19% +14% Specialist Business +3% +13% Cash Profit +11% -16% Central Functions -16% -23% Net Loans & Advances (NLAs)1 +1% +5% Customer deposits 1H23 v 2H22 1H23 v 1H22 Customer Deposits +1% -3% Term Deposits Total Customers +5k +9k Transact/Savings +26% -5% +40% -11% Basis: Continuing Operations including Large / Notable items 1. Asset Finance run-off businesses have been excluded from NLAS 81 4

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