Pillar 3 / 3Q23 Chart Pack

2023 THIRD QUARTER
CHART PACK
QUARTER ENDED 30 JUNE 2023
17 August 2023
This document should be read in conjunction with ANZ Basel III Pillar 3 Disclosure as atJune 2023 (APS 330: Public disclosure)
Approved for distribution by ANZ’s Continuous Disclosure Committee
Australia and New Zealand Banking Group Limited 9/833 Collins Street Docklands Victoria 3008 Australia
ABN 11 005 357 522

ANZ 3Q23 chart pack
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DISCLAIMER & IMPORTANT NOTICE
The material in this presentation is general background information about ANZ’s activities current as at
the date of the presentation.It is information given in summary 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 accountthe investment objectives, financial situation or needs of any
particular investor.These should be considered, with or without professional advice when deciding if
an investment is appropriate.
This presentation may contain forward-looking statements or opinions including statements regarding
our intent, belief or current expectations with respect to ANZ’s business operations, market conditions,
results of operations and financial condition, capital adequacy, specific provisions and risk
management practices.When used in this presentation, the words ‘forecast’, ‘estimate’, ‘project’,
‘intend’, ‘anticipate’, ‘believe’, ‘expect’, ‘may’, ‘probability’, ‘risk’, ‘will’, ‘seek’, ‘would’, ‘could’, ‘should’
and similar expressions, as they relate to ANZ and its management, are intended to identify forward-
looking statements or opinions.Those statements: are usually predictive in character; or may be
affected 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 their correctness 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.ANZ does not undertake any obligation to publicly release the result of any revisions to these
forward-looking statements to reflect events or circumstances after the date hereof to reflect the
occurrence of unanticipated events.
NOTE: Sum of parts within charts and commentary may not equal totals due to rounding

ANZ 3Q23 chart pack
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1.Excluding Markets
2.FX adjusted
SUMMARY
THIRD QUARTER FY2023 (PERIOD ENDED 30 JUNE)
ALL COMMENTS REFER TO MOVEMENT IN 3Q23 ENDED 30 JUNE 2023, RELATIVE TO 31 MARCH 2023 UNLESS OTHERWISE STATED
CapitalAPRA Level 2 CET1 ratio
•13.5% at30 June 2023, 12.3% on a pro forma basis. June CET1 excludes the impact of the 1H23 dividend, paid in early July 2023
Page 3
Balance SheetCustomer Deposits
•Continued growth in Retail and Institutional
1
customer deposits. Australia Commercial and New Zealand division deposits remained broadly flat
•Liability portfolio mix continued a shift towards higher interest rate, lower margin, savings accounts and term deposits
Page 4, 5
Net loans and advances / Housing
•Australia Retail & Australia Commercial each grew 2% in the quarter; New Zealand division grew 1% and Institutional remained broadly flat
Page 6, 7
Exposure at Default (EAD)
•Total EAD reduced 3%, with $34b
2
reduction in lower risk intensive Sovereigns and Financial Institutions (largely reductions in central bank exposures)
Page 8
Risk Weighted Assets (RWA)
•Underlying RWA, inclusive of Volume, Risk, IRRBB & Market risk grew $8b
•Total RWA, inclusive of FX, capital reforms, capital floor impacts, reduced $2b
Page 2
Page 9
Provisions•Total provision charge of $77m, including $64m individual provision charge and $13m collective provision
•Collective provision balance stable at $4.04b, including 100% base case ($1.85b), Scenario & weights ($1.38b) & additional overlays ($0.81b)
Page 10
Page 11
Credit QualityGross Impaired Assets
•Gross Impaired Assets as a % of total Gross Loans and Advances increased slightly from 17bps to 18bps
Housing 90+ days past due (DPD)
•Continued to trend upwards from recent lows, impacted by higher interest rates and inflation and weather events in NZ
•Australian Housing 90+DPD 63bps (up 3 bps), NZ 90+DPD 53bps (up 8bps)
Page 12

ANZ 3Q23 chart pack
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CAPITAL
APRA Level 2 CET1 ratio –capital movement
%
13.18
13.51
12.31
0.13
0.46
0.04
Mar 23Jun 23Capital Generation
& Others
Underlying
R WA growth
1
Capital Floor
impact
Suncorp
Acquisition
NOHC surplusJun 23 Pro forma
-0.25
-1.24
•June CET1 excludes the impact of the 1H23 dividend, paid in early July 2023 (previously dividend impact was based on determination date)
•Change in timing in recognition of dividend from determination date to payment date follows a review with the establishment of the non-operating holding company & better reflects
the impact of the ordinary share dividend payment with ANZBGL’s constitution
•Impact from the Interim 2023 dividend payment (~56bps to the Level 2 CET1 ratio) will be recognisedin 4Q23 capital
1.Underlying RWA growth of $8b inclusive of Volume, Risk, IRRBB & Market risk

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CUSTOMER DEPOSITS –AUSTRALIA
65
63
62
63
16
22
28
30
43
44
44
42
26
24
23
22
153
Sep 22Jun 23Dec 22Mar 23
158
150
156
Term DepositsSavingsOffsetTransact
Australia Retail, $bAustralia Commercial, $b
49
29
27
15
Sep 19
(Pre COVID)
120
65%54%59%
61
58
57
57
21
25
27
28
30
30
29
28
Dec 22Sep 22
113
113
Jun 23Mar 23
112
114
44
28
15
Sep 19
(Pre COVID)
87
83%73%75%
Term DepositsSavingsTransact
% of total Aus. Retail
% of total Aus. Commercial

ANZ 3Q23 chart pack
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CUSTOMER DEPOSITS –NEW ZEALAND & INSTITUTIONAL
22222222
38
40
42
44
44
43
41
39
Jun 23Sep 22
105
Dec 22Mar 23
104
105105
SavingsTerm DepositsTransact
17
45
27
Sep 19
(Pre COVID)
89
70%58%63%
New Zealand division, NZDbInstitutional (ex Markets), $b
116
106
103
108
38
39
45
44
1
147
Sep 22
2
2
Dec 22
1
Mar 23Jun 23
156
150
153
Payments & Cash MgtTerm DepositsOther
% of total NZ division

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NET LOANS AND ADVANCES
Australia Retail, $bAustralia Commercial, $bNew Zealand division, NZDbInstitutional, $b
60
6060
61
Sep 22Dec 22Mar 23Jun 23
2%
290
297
301
307
Sep 22Dec 22Mar 23Jun 23
2%
207
219
208
207
Sep 22Dec 22Jun 23Mar 23
-1%
129
128
128
130
Jun 23Mar 23Sep 22Dec 22
1%

ANZ 3Q23 chart pack
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AUSTRALIA HOME LOAN PORTFOLIO
Home Loan FUM composition
1,2,3,4
, $bFixed rate Home Loan expiry profile, $b
1.Based on Gross Loans and Advances. Includes Non PerformingLoans. Excludes the impact of ANZ accounting policy change for ongoing trail commission payable
2.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
3.Interest Only (I/O) is based on customers that request a specific interest only period and does not include loans being progressively drawn e.g.construction
4.ANZ Equity Manager product no longer offered for sale as of 31 July 2021
5.Month on month growth. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS)
Home loan growth –past 12 months
5
, MoM %
180
185
189
194
197
201
60
62
63
64
65
66
23
24
24
25
6
3
8
21
Sep 21Sep 20Dec 22
5
5
21
3
4
Sep 22
3
4
3
3
Mar 23Jun 23
275
278
283
289
293
3
299
Equity ManagerOO P&IInv P&IOO I/OInv I/O
0.0
0.2
0.4
0.6
0.8
1.0
Jun 23Jun
22
Sep
22
Mar
23
Dec
22
APRA System Total HousingMajor Bank Growth (ex ANZ)ANZ Total Housing
293
299
12
5
7
Jun 23Redraw &
Interest
Net OFI RefiMar 23New Sales
excl. Refi-In
Repay / Other
-18
Loan balance & lending flows –3Q23
1
, $b
14
27
18
24
11
9
8
1H231H22>2H242H24
12
(3Q23)
2H222H231H24
20
ExpiredStill to expire

ANZ 3Q23 chart pack
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EXPOSURE AT DEFAULT (EAD)
EAD composition
1
, $bCredit RWA as a percentage of EAD –by portfolio
3
, %
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 (inclBanks) 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
1,010
432
281
10
393
52
40
307
292
229
46
410
40
333
47
Sep 20
43
52
43
11
1,159
Sep 21
415
246
49
7
Sep 22
8
Mar 23
431
51
325
338
240
Dec 22
16
408
38
439
375
15
Jun 23
38
286
1,080
1,152
1,1931,193
-3%
CorporateResidential Mortgage
Sovereign & Financial Institution
2
Specialised Lending
Retail (QRR & Other Retail)
Other
36
32
3131
29
30
57
53
50
51
49
49
53
5050
5353
28
2727
2828
29
9
777
11
12
Jun 23Mar 23
56
Sep 20Dec 22Sep 21Sep 22
Total Group
Corporate & Specialised
Retail (ex Mortgages)
Residential Mortgage
Sovereigns & Financial Institution
2

ANZ 3Q23 chart pack
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RISK WEIGHTED ASSETS (RWA)
RWA by category, $bCRWA movement –Total group, $b
Credit RWA and EAD movement, $b
202
199
197
206
196
199
157
144
163
165
150
144
22
25
47
49
44
48
48
48
48
42
42
42
Sep 20Sep 21
4
Sep 22Jun 23Dec 22Mar 23
434
429
416
455
462
436
CRWA (ex. Instit.)
CRWA (Instit.)
IRB Floor adjustmentMkt. & IRRBB RWA
Op-R WA
345.3
343.0
0.8
2.7
0.4
FXRiskVolume
/ Mix
-1.3
Mar 23Model &
Methodology
Changes
CVA (incl.
Hedges)
Jun 23
-4.9
4.8
-4.9
-2.0
-0.2
6.5
-6.5
-33.6
-1.2
Residential
Mortgage (Housing)
OtherCorporate &
Specialised Lending
Sovereign &
Financial Institution
Credit RWAEAD
Jun 23 vs Mar 23 FX adjustedlargely from reductions in
central bank exposures

ANZ 3Q23 chart pack
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PROVISION CHARGE
Total provision charge / (release), $m
1.Annualisedloss rate as a % of Gross Loans and Advances (GLA)
Loss rates
1
, bps
165
1,097
236
433
164
146
461
264
131
-173
-505
-122
-249
-101
3Q22
14
23
-150
-49
1Q202Q202Q211Q233Q204Q201Q21
21
14
-53
3Q21
71
1Q22
48
-92
4Q21
500
4Q22
78
9
2Q22
0
-22
60
17
2Q233Q23
13
38
116
-44
1,558
564
-341
-44
-32
-240
217
-83
64
77
Individual Provision (IP) charge / (release)Collective Provision (CP) charge / (release)
Bps1Q202Q203Q204Q201Q212Q213Q214Q211Q222Q223Q224Q221Q232Q233Q23
Individual Provision112917811113511-1-644
Total Provision7983135-10-22-2-3-3-1512-5134

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COLLECTIVE PROVISION (CP)
CP balance and coverage, $m
1.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 (inclBanks) includes non-bank Financial Institutions. Prior to March 2023, non-bank FIs were reported as Corporate
5,008
4,195
3,853
4,042
1.39%
1.22%
1.07%
1.18%
Sep 22Sep 20Sep 21Jun 23
CP balance CP Coverage
1
1,750
1,692
1,816
1,853
1,376
1,403
1,407
1,375
727
793
817
814
Dec 22
4,040
Sep 22Mar 23Jun 23
3,853
3,888
4,042
Additional overlaysScenarios & weights100% Base Case
CP balance by division, $b
CP balance by portfolio, $b
Sep 20Sep 21Sep 22Dec 22Mar 23Jun 23
Australia Retail1.421.070.900.900.950.96
Australia Commercial1.431.160.980.981.031.06
Institutional1.511.351.381.371.451.41
New Zealand0.570.530.520.560.540.56
Pacific 0.080.100.080.080.070.06
Sep 20Sep 21Sep 22Dec 22Mar 23Jun 23
Corporate2.302.091.961.951.841.84
SpecialisedLending
0.320.270.260.280.280.29
ResidentialMortgage
1.060.790.730.770.820.84
Retail (ex Mortgages)
1.250.960.810.800.840.81
Sovereign / Financial Institution
2
0.080.090.090.090.260.26

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Gross impaired assets by division
1,3
, $b
1.Excluding unsecured 90+ days past due
2.Other includes Pacific and Australia Wealth
3.Impaired loans / facilities include restructured items in which the original contractual terms have been modified for reasonsrelated to the financial difficulties of the customer. Restructuring may consist of reduction of interest, principal or other
payments legally due, or an extension in maturity materially beyond those typically offered to new facilities with similar risk
4.ANZ delinquencies are calculated on a missed payment basis for amortisingand Interest Only loans
0.40%
0.31%
0.21%
0.16%
0.17%
0.18%
0.5
0.0
1.5
1.0
2.0
2.5
3.0
Mar 23
1.4
Sep 20Sep 21Sep 22Dec 22Jun 23
2.5
2.0
1.1
1.2
1.3
Australia Retail
Australia Commercial
New ZealandOther
2
Institutional% of GLA
IMPAIRED ASSETS & 90+ DAYS PAST DUE
Consumer portfolio
4
90+ days past due as a % of portfolio balances
0.25
0.00
0.75
0.50
1.00
2.00
1.25
1.50
1.75
Mar
20
Mar
23
Jun
20
Sep
20
Dec
20
Sep
21
Mar
21
Jun
21
Dec
21
Mar
22
Jun
22
Sep
22
Dec
22
Jun
23
Australia Home LoansAustralia Consumer CardsNZ Home Loans

ANZ 3Q23 chart pack
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SHAREHOLDER CENTRE & INVESTOR RELATIONS CONTACTS
EquityInvestorsRetail InvestorsDebt Investors
Jill Campbell
GroupGeneral 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 421613 819
cameron.davis@anz.com
Michelle Weerakoon
Manager
Shareholder Services & Events
+61 3 8654 7682
+61 411 143 090
michelle.weerakoon@anz.com
David Goode
Head of
Debt Investor Relations
+61 410 495 399
david.goode@anz.com
Steven Aquilina
Associate Director
Debt Investor Relations
+61 3 8654 7778
+61 447 744 542
steven.aquilina@anz.com
ANZ Shareholders CentreANZ Debt Investors Centre