2024 FIRST QUARTER
CHART PACKQUARTER ENDED 31 DECEMBER 2023
12 FEBRUARY 2024
This document should be read in conjunc tion with ANZBGL’s Basel III Pillar 3 Disclosure as at December 2023 (APS 330: Public disclosure)

Approved for distribution by ANZ’s Continuous Disclosure Committee
ANZ Group Holdings Limited ABN 16 659 510 791
9/833 Collins Street Docklands Victoria 3008 Australia

ANZ 2024 first quarter chart pack

IMPORTANT INFORMATION – FORWARD-LOOKING STATEMENTS
The material in this presentation contains general background information about the Group’s activities current as at 9 February 2024. It is information given insummary form and does not purport to be complete.
It is not intended to be and should not be relied upon as advice to investors or potential investors, and does not take into account the investment objectives,
financial situation or needs of any particular investor. These should be considered, with or without professional advice, when deciding if an investment isappropriate.
This presentation may contain forward-looking statements or opinions including statements regarding our intent, belief or current expectations with respect tothe Group’s business operations, market conditions, results of operations and financial condition, capital adequacy, sustainability objectives or targets, specificprovisions and risk management practices. When used in the presentation, the words ‘forecast’, ‘estimate’, 'goal', 'target', 'indicator', 'plan', 'pathway', ‘ambition’,‘modelling’, ‘project’, ‘intend’, ‘anticipate’, ‘believe’, ‘expect’, ‘may’, ‘probability’, ‘risk’, ‘will’, ‘seek’, ‘would’, ‘could’, ‘should’ and similar expressions, as they relate to theGroup and its management, are intended to identify forward-looking statements or opinions. Those statements are usually predictive in character; or may beaffected by inaccurate assumptions or unknown risks and uncertainties or may differ materially from results ultimately achieved. As such, these statements should
not be relied upon when making investment decisions. These statements only speak as at the date of publication and no representation is made as to theircorrectness on or after this date. Forward-looking statements constitute ‘forward-looking statements’ for the purposes of the United States Private Securities
Litigation Reform Act of 1995. The Group does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements toreflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events.

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ANZ 2024 first quarter chart pack

SUMMARY - 2024 FIRST QUARTER (1Q24)
ANZperformance(1Q24 vs
1H23
quarterlyaverage)

Capital(at 31 Dec 23)
Balance Sheet(31 Dec 23 vs
30 Sept 23)• 1Q24 Group revenue was in line with the First Half FY23 quarterly average (1H23QA $5.26b) with Non-Markets revenue broadly in line with the First Half FY23average (1H23QA $4.69b), assisted by growth in average interest earning assets• The Institutional Division’s Markets business had a good start to the year with revenues a little better than the First Half FY23 average (1H23QA $575m)• ANZ has demonstrated a proven ability over many years to manage our expenses well and while facing into ongoing inflationary pressures, we continue to executeon productivity initiatives to partially offset these headwinds• Lending growth remains robust across our Australia Retail and Commercial franchises. Our investment in home loan processing capability and capacity andimproved broker experience is providing ongoing benefits. We are continuing to grow our Australian Home Loan book profitably by continuing to offer reliable
turnaround times, and in line with that we are competitive but not market leading on pricing. Lending growth was substantially self funded across both Divisionsby deposits• Our long-term focus on high quality customer selection and prudent risk appetite means credit quality remains strong, with the total provision charge of $53m (forcomparison to prior periods see slide 10)
APRA Level 2 CET1 ratio• 13.06% or 11.86% on a pro forma basis (excludes Capital being held for the SUN acquisition and NOHC surplus capital)• The December CET1 includes the impact of the FY23 dividend, paid in December 2023 (Slide 3)
Customer Deposits• +$8b in Australian Retail and Commercial deposits with the New Zealand Divisional Deposits +2b NZD. Liability mix shifts have slowed markedly in both Australia
and New Zealand (Slides 4 & 5)
• Institutional Deposits (ex Markets) reduced $3b with half the decline attributable to FX and the remainder largely a small number of Fixed Deposit maturities(Slide 5)

34 -9

Net loans and advances (NLA)• NLA increased 1% (+$7b), with Australia Retail and Commercial and New Zealand Retail and Commercial all contributing to balance sheet growth
Exposure at Default (EAD) & Risk Weighted Assets (RWA)• EAD increased 1% (+$14b) (Slide 8 & 9)
• RWA reduced 1%, primarily from the reduction in Corporate Credit RWA and IRRBB RWA
Provisions &credit quality••••Total Provision charge was $53m, comprised of a $27m individual provision charge and a $26m collective provision charge (Slide 10)
Collective provision balance stable at $4.03b with CP charge offset by FX impacts (0.34bps coverage ratio CP/EAD, 117bps CP/CRWA) (Slide 11)
Gross Impaired Assets as a % of total Gross Loans and Advances increased 1bp to 22bps (Slide 12)
Australian Housing 90+DPD at 70bps remains well below pre Covid levels , NZ 90+DPD was 64bps (Slide 12)

10-12

2

ANZ 2024 first quarter chart pack

CAPITAL, LIQUIDITY, FUNDING
APRA Level 2 CET1 ratio – capital movement%

0.42

13.34

13.06

-0.06

-0.64

0.04

11.86

NOHC surplus

Dec 23
Pro forma-1.24

Sep 23

Underlying
RWA growth1

Capital Generation& OtherFY23 FinalDividend(Net of DRP)

LCR, quarterly avg. %Sep 23

Suncorp
Acquisition

Funding

Liquidity2133

Dec 23130

Dec 23

NSFR, end of period %116.3

Sep 23•In addition to $3b of pre-funding completed in FY23, ANZ has
issued a further ~$16b of term funding in FY24

•ANZ expectations for FY24 term funding needs is $30-35b•

ANZ remains well prepared for the modest Term Funding Facilitymaturities of ~$8b in 2H24115.4

Dec 23

1.

Underlying RWA growth of $2.0b inclusive of CRWA Volume & Risk changes, IRRBB, Operational Risk, Market Risk and underlying CVA (excluding CVA hedges)

2.

LCR and NSFR figures shown are on a Level 2 basis per APRA prudential standard APS210

3ANZ 2024 first quarter chart pack

CUSTOMER DEPOSITS – AUSTRALIA

Australia Retail, $bAustralia Commercial, $b165
1501212126154547874327163065%

22170

1533362854%

60%
656566

Sep 19(Pre COVID)

Sep 22

Sep 23

Dec 23

Savings

Term Deposits

49Offset

Transact

83%

113

116

3026272130

3377%

73%
615756

Sep 19(Pre COVID)

Sep 22

Sep 23

Dec 23

Savings

Term Deposits

Transact% of total Aus. Commercial

44% of total Aus. Retail112

4

ANZ 2024 first quarter chart pack

CUSTOMER DEPOSITS – NEW ZEALAND & INSTITUTIONALNew Zealand division, NZDb

Institutional (ex. Markets1), $b157
2
104
89
44

2770%

45106

3938

108

153
1150
14644106105

Sep 23

Dec 23105
139

3358%

384648

117

64%
711.

17222121

Sep 19(Pre COVID)

Sep 22

Sep 23

Dec 23Savings

Term Deposits

Transact% of total NZ division

Excludes Markets business unit deposits (Sep 19: $112b; Sep 22 $106b: Sep 23 $113b; Dec 23 $124b)

Sep 19Sep 22

Payments & Cash Mgt

Term Deposits

Other5ANZ 2024 first quarter chart pack

NET LOANS AND ADVANCES

Australia Retail, $bAustralia Commercial, $b

New Zealand division, NZDb

Institutional, $b2%
312

3180%

290

207

210209Sep 22

Sep 23

Dec 231%129131132

Sep 22

Sep 23

Dec 232%

Sep 22

Sep 23Dec 23606263

Sep 22

Sep 23

Dec 236ANZ 2024 first quarter chart pack

AUSTRALIA HOME LOAN PORTFOLIOHome Loan FUM composition1, $b

Fixed rate Home Loan expiry profile, $b27275
621
860

5278
21562

4283
23

3304
325
3310
325
368

70

23

20

1810(2Q24)

1211

2H24>2H2413(1Q24)

63
2H22Expired

1H23

2H23

1H24

Still to expire

Home loan growth2, MoM %
180

185

205

190

209

1.0
0.5

1.
2.

Sep 20

Sep 21OO P&IInv P&I

Sep 22OO I/O

Sep 23
Inv I/O

Dec 23Equity Manager0.0

Dec22Mar23

APRA System Total Housing

Jun23
ANZ Total Housing

Sep23

Dec
23

Major Bank growth (ex ANZ)

Based on Gross Loans and Advances. Includes Non Performing Loans. Excludes the impact of ANZ accounting policy change for ongoing trail commission payable. The current classification of Investor vs Owner Occupied is based on ANZ’s product category,determined at origination as advised by the customer and the ongoing precision relies primarily on the customer’s obligation to advise ANZ of any change in circumstances. Interest Only (I/O) is based on customers that request a specific interest onlyperiod and does not include loans being progressively drawn e.g. construction. ANZ Equity Manager product no longer offered for sale as of 31 July 2021
7Month on month growth. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS)ANZ 2024 first quarter chart pack

EXPOSURE AT DEFAULT (EAD)
EAD composition1, $bCredit RWA as a percentage of EAD – by portfolio3, %
+1%

1,010
104746

1,080
64445

1,1528 4049333

295

1,163
143848249

1,177
183848240286393

5356533795353504932313030272729291211

Sep 23

Dec 2330728028415411448474549

Sep 20503636622957

Sep 21

Sep 22

Sep 23

Dec 23

Sep 2077

Sep 21

Sep 22

Residential Mortgage

Corporate

Retail (QRR & Other Retail)

Total Group

Retail (ex Mortgages)

Sovereign & Financial Institution2

Specialised Lending

Other

Corporate & Specialised

Residential Mortgage

Sovereigns & Financial Institution2

1. EAD excludes amounts for ‘Securitisation’, and for ‘Other assets’ prior to March 2023 (included from March 2023 due to the implementation of APRA’s new capital framework), whereas CRWA is inclusive of these asset classes, as per APS 330. EAD
data provided is on a Post CRM basis, net of credit risk mitigation such as guarantees, credit derivatives, netting and financial collateral
2. Due to the implementation of APRA's new capital framework the exposure reported in the Sovereign and Financial Institution (incl Banks) includes non-bank Financial Institutions. Prior to March 2023, non-bank FIs were reported as Corporate
3. Total Group ratio from Mar 21 is inclusive of increased exposure to the RBA via higher exchange settlement account balances

8ANZ 2024 first quarter chart pack

RISK WEIGHTED ASSETS (RWA)
RWA by category, $b

CRWA movement 1 – Total group, $b455

429
48
22416

48

48

47

25-1%
433

5.3

349.0

42429
24342

39

144

163

144

0.3

-0.1

-2.9

Sep 23
157

Primarily from continued refinement inprocesses, data and associated methodology
treatments post implementation of revised
Capital reforms in 2023

345.1

-6.5

FX

Volume/ Mix139

Risk

CVA (incl.
Model &Methodology Hedges)
ChangesDec 23Credit RWA and EAD movement, $b
Sep 23 vs Dec 23 FX adjusted

202

Sep 201.

199

Sep 21197

Sep 22CRWA (ex. Instit.)

Mkt. & IRRBB RWA

CRWA (Instit.)

Op-RWA205

Sep 23206

Dec 23

IRB Floor Adjustment

3.9

7.0

21.1

Includes impacts of Modeland Methodology Changes(refer above)

0.7
-6.3

4.0

-5.6

Residential
Corporate &Sovereign &Mortgage (Housing) Specialised Lending Financial Institution
Credit RWA

0.7

OtherEAD

The attribution of CRWA movements requires assumptions and judgement; different assumptions could lead to different attributions

9ANZ 2024 first quarter chart pack

PROVISION CHARGE
Total provision charge / (release), $m
1,558
461

131

264

116-49

564

500

1,097

433

236

165-173

164

23-53-32-505-150

21-92

48-44

78-122-44

9-249

0

217

38

14
14-22

60-101

7771
146

171364

35-24

53
59

2726-83-240-341
1Q20

2Q20

3Q20

4Q20

1Q21

Individual Provision (IP) charge / (release)

2Q21

3Q21

4Q21

1Q22

2Q22

3Q22

4Q22

1Q23

2Q23

3Q23

4Q23

1Q24

Collective Provision (CP) charge / (release)

Loss rates1, bps
Bps1Q202Q20

3Q20

4Q20

1Q21

2Q21

3Q21

4Q21

1Q22

2Q22

3Q22

4Q22

1Q23

2Q23

3Q23

4Q23

1Q24

IndividualProvision

112917811113511-1-64432Total Provision7983135-10-22-2-3-3-15

12-5

13423

1.

Annualised loss rate as a % of Gross Loans and Advances (GLA)

10

ANZ 2024 first quarter chart pack

COLLECTIVE PROVISION (CP)CP balance by division, $b

CP balance and coverage
CP coverage %Sep 20

Sep 21

Sep 22

Sep 23

Dec 23CP / EAD10.50

0.390.330.35

0.34

CP / CRWA1

1.39

1.22

1.07

1.16

1.17

CP balance, $m$26m increase from
Collective Provision charge
offset by FX impacts

5,008
4,1953,853

Sep 20

Sep 21

Sep 22

4,032

Sep 20

Sep 21

Sep 22

Sep 23

Dec 23Australia Retail

1.42

1.07

0.90

0.95

0.97

Australia Commercial

1.43

1.16

0.98

1.04

1.04

Institutional

1.51

1.35

1.38

1.43

1.41

New Zealand

0.57

0.53

0.52

0.56

0.56

Pacific

0.08

0.10

0.08

0.05

0.05

Sep 20

Sep 21

Sep 22

Sep 23

Dec 23

Corporate

2.30

2.09

1.96

1.871.85

Specialised Lending

0.32

0.27

0.26

0.27

0.28

Residential Mortgage

1.06

0.79

0.73

0.79

0.81

Retail (ex Mortgages)

1.25

0.96

0.81

0.82

0.81

Sovereign / Financial Institution2

0.08

0.09

0.09

0.28

0.28

4,026

CP balance by portfolio, $bSep 23

Dec 23

1.

CP/EAD: Collective Provision balance as a % of Exposure at Default; CP/CRWA: Collective Provision balance as a % of Credit Risk Weighted Assets

2.

Due to the implementation of APRA's new capital framework the exposure reported in the Sovereign and Financial Institution (incl Banks) includes non-bank Financial Institutions. Prior to March 2023, non-bank FIs were reported as Corporate

11ANZ 2024 first quarter chart pack

IMPAIRED ASSETS & 90+ DAYS PAST DUE
Consumer portfolio4

Gross impaired assets by division1,3, $b90+ days past due as a % of portfolio balances

0.40%
3.0

0.31%
0.21%

2.5

0.22%

0.21%

1.50

2.5

1.25

2.0

2.0

1.4

1.5

1.6

1.5

1.00
0.75

1.0

0.50

0.5

0.0

1.
2.
3.
4.

0.25

Sep 20

Sep 21

Sep 22

Sep 23

Dec 23Australia RetailNew Zealand

Other2Australia Commercial

Institutional% of GLA0.00
Sep20

Dec20

Mar21

Jun21

Sep21

Dec
21

Australia Home LoansMar22

Jun22

Sep22

Dec
22

Australia Consumer Cards

Mar23

Jun23

Sep23

Dec
23

NZ Home Loans

Excluding unsecured 90+ days past due
Other includes Pacific and Australia Wealth
Impaired loans / facilities include restructured items in which the original contractual terms have been modified for reasons related to the financial difficulties of the customer. Restructuring may consist of reduction of interest, principal or otherpayments legally due, or an extension in maturity materially beyond those typically offered to new facilities with similar risk
Includes Non Performing Loans. ANZ delinquencies are calculated on a missed payment basis for amortising and Interest Only loans. Australia Home Loans 90+ between Mar-20 and Jun-20 excludes eligible Home Loans accounts that had
requested COVID-19 assistance but due to delays in processing had not had the loan repayment deferral applied to the account12ANZ 2024 first quarter chart pack

SHAREHOLDER CENTRE & INVESTOR RELATIONS CONTACTSANZ Shareholders Centre

ANZ Debt Investors Centre

Equity Investors

Jill Campbell

Group General Manager
Investor Relations+61 3 8654 7749
+61 412 047 448
jill.campbell@anz.com

Cameron Davis

Executive Manager
Investor Relations+61 3 8654 7716
+61 421 613 819
cameron.davis@anz.com

Pavita Sivakumar

Senior Manager
Investor Relations+61 3 8655 2597
+61 466 848 027
pavita.sivakumar@anz.com

Retail Investors

Debt Investors

Michelle Weerakoon

David GoodeManager
Shareholder Services & Events+61 3 8654 7682
+61 411 143 090
michelle.weerakoon@anz.com

Head ofDebt Investor Relations+61 410 495 399
david.goode@anz.com

Steve Aquilina

Associate Director
Debt Investor Relations+61 3 8654 7778
+61 447 744 542
steven.aquilina@anz.com

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