CLARE MORGAN
Group Executive Australia Commercial

SHAREHOLDER VOTING INSTRUCTIONSONLINE MEETING GUIDE & FREQUENTLY ASKED QUESTIONS

Available at ANZ.com/AGM

PAUL O’SULLIVAN
Chairman

DEMPSEY BLOOMPAUL O’SULLIVAN
ChairmanQueen & Creek Streets, Brisbane

ANZ Centre, 324 Queen Street

ANZ FY23 RESULTS
FY23vs FY22

7,098

Flat

Cash profit, $ million

7,405

+14%

Return on equity, %10.9%+54bps

Earnings per share - basic, cents

247.1

+8%

21.78

+5%

Statutory profit, $ million
Cash Profit Continuing operations

NTA per share, $FY23 Total Dividends Per Share

Interim dividend of 81 cents, fully franked.
Final dividend comprised an 81 cents dividend partially franked at 65%
and an additional one-off unfranked dividend of 13 cents.

ANZ PLUS CUSTOMERS AND DEPOSITS

Customers (cumulative), ‘000s

Deposits (cumulative), $b500

10450

9400

8350

7300

6250

5200

4150

3100

250

10Jun
22

Sep
22
Customers

Total deposits

Dec
22Mar
23Jun23

Sep
230

Available at ANZ.com.au/about-us/esg/reporting/Available at ANZ.com.au/about-us/esg/workplace-participation-diversity/indigenous-australians/

SHAYNE ELLIOTT
Chief

ExecutiveOfficerPlans for a major tech hub in Brisbane

700 jobs
in digital,
cloud anddata

Cloudtraining totech hubemployees

Researchand training
in technology

Announced in ANZ News Release dated 16 June 2023 (ANZ and Queensland Government sign implementation agreement). ANZ’s commitments in theimplementation agreement are conditional on it successfully completing its acquisition of Suncorp Bank. In addition to the tech hub, the implementationagreement contains further commitments to the State of Queensland, including ANZ’s lending commitments that were announced on 18 July 2022

SHAYNE ELLIOTT
ChiefExecutiveOfficer

FOUR MAJOR DIVISIONSCONTRIBUTED TO A STRONG RESULTRETURN ON EQUITY1 FY23

Australia Retail2

Australia Commercial

Institutional

New Zealand (NZD)

26%

14%

16%
13%

Basis: Cash profit continuing operations
1.

Australia Retail, Australia Commercial, Institutional & New Zealand represent 77% of Group capital with the balance of capital held in Pacific and Group Centre(including Asia Partnerships, Suncorp Bank acquisition and Non Bank Group)

2.

Australia Retail ROE excludes ANZ Plus investment spend

Hanoi 1993: ANZ’s first branch in Vietnam

INSTITUTIONAL PAYMENTS & CURRENCY PROCESSING
Payments

Client Monies#mPlatform Cash Mgt Accounts1, #’000s

Turnover volume, Index FY19 = 100+25%+8%608

Markets FX

654

+17%

430

154132343
268100104

Sep 19 Sep 20 Sep 21 Sep 22 Sep 23

FY19

FY20400307

116323112
51

FY191.

FY20

FY21

FY22

FY23

Number of Australian virtual client monies accounts

FY21

FY22

FY23

ANZ PLUS
Cost to acquire

Cost to serve1-40%ANZ1.

Variable costs include distribution, operations and product costs-20%

ANZ Plus

ANZ

ANZ PlusCUSTOMER PROTECTION

1.
2.

Prevented

RemovedBlockedAnalysed

Stopped>$100m~1,600~12m>10b>20kfrom beingtransferred
to criminals1

phishing orfraudulent websites
impersonating ANZ1

attacks against
customer facing
services each month

events through ourSecurity Operations
Centre each day

scam SMS
impersonating‘ANZ’2

Over a 12 month period
Over a 4 week period

AUSTRALIAN ECONOMY

Source: ABS, RBA, NAB, ANZ Research (October 2023)

FY24 PRIORITIES

1.

2.

3.

4.

5.

6.

Continue torun the Group
prudently

Further
improveproductivity

Grow ANZ
Plus customers,
deepenengagement

Investmore inCommercial
strategy

Further enhance
Sustainability,
Payments &Currency
platforms

Complete theacquisition ofSuncorp BankPAUL O’SULLIVAN
ChairmanITEM 2

ELECTION OF
B O A R D E N D O R S E D C A N D I D AT E

HOLLY KRAMER
Non-Executive Director

ITEM 2

ELECTION OF
B O A R D E N D O R S E D C A N D I D AT E

ITEM 3ADOPTION OF
T H E R E M U N E R AT I O N R E P O R T
ITEM 4GRANT OF RESTRICTED RIGHTSAND PERFORMANCE RIGHTS TOMR S C ELLIOTTITEM 3 A D O P T I O N

ITEM 4 G R A N TRIGHTSTOOFTHEREMUNERATIONOF RESTRICTEDMR S C ELLIOTTRIGHTSREPORTANDPERFORMANCEILANA ATLAS, AO
Chair – Human Resources Committee

ITEM 3ADOPTION OF
T H E R E M U N E R AT I O N R E P O R T
ITEM 4GRANT OF RESTRICTED RIGHTSAND PERFORMANCE RIGHTS TO
MR S C ELLIOTTPAUL O’SULLIVANChairman

HOW TO ASK QUESTIONS OR MAKE COMMENTS ONLINE

Select the messaging tab atthe top of the AGM platform

Type your question into thetext box

Once finished typing,please hit the send button

To give all shareholders the opportunity to participate equally, we ask that those submitting questions online totry and limit their questions or comments to two per item of business and to submit each question separately

SHAREHOLDER QUESTIONSITEM 2

ELECTION OF
B O A R D E N D O R S E D C A N D I D AT E
Total number of votes exercisable by validly appointed proxies:
Votes where proxy directed to vote “FOR” the motion

1,530,744,256

98.52%

Votes where proxy directed to vote “AGAINST” the motion

6,382,716

0.41%

Votes where proxy may exercise a discretion how to vote16,569,992

1.07%- Votes where the Chairman as proxy may exercise a discretion how to vote11,331,372

0.73%

Votes where proxy directed to ‘ABSTAIN’

2,360,723

ITEM 3ADOPTION OF
T H E R E M U N E R AT I O N R E P O R T
Total number of votes exercisable by validly appointed proxies:
Votes where proxy directed to vote “FOR” the motion

1,448,699,276

93.33%

Votes where proxy directed to vote “AGAINST” the motion

88,526,395

5.70%

Votes where proxy may exercise a discretion how to vote15,184,297

0.97%- Votes where the Chairman as proxy may exercise a discretion how to vote9,999,258

0.64%

Votes where proxy directed to ‘ABSTAIN’

3,611,922

ITEM 4

GRANT OF RESTRICTED RIGHTSAND PERFORMANCE RIGHTS TO
MR S C ELLIOTT
Total number of votes exercisable by validly appointed proxies:
Votes where proxy directed to vote “FOR” the motion

1,497,061,227

96.44%

Votes where proxy directed to vote “AGAINST” the motion

40,321,214

2.59%

Votes where proxy may exercise a discretion how to vote15,024,618

0.97%- Votes where the Chairman as proxy may exercise a discretion how to vote9,911,391

0.64%

Votes where proxy directed to ‘ABSTAIN’

3,647,700