Pillar 3 / 3Q24 Chart Pack

2024 THIRD QUARTER
CHART PACK
QUARTER ENDED 30 JUNE 2024
20 AUGUST 2024
This document should be read in conjunction with ANZBGL’s Basel III Pillar 3 Disclosure as atJune2024 (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 third quarter chart pack
1
IMPORTANT INFORMATION – FORWARD-LOOKING STATEMENTS
ThematerialinthispresentationcontainsgeneralbackgroundinformationabouttheG ro u p’sactivitiescurrentasat19August2024.Itisinformationgivenin
summaryformanddoesnotpurporttobecomplete.
Itisnotintendedtobeandshouldnotberelieduponasadvicetoinvestorsorpotentialinvestors,anddoesnottakeintoaccounttheinvestmentobjectives,
financialsituationorneedsofanyparticularinvestor. Theseshouldbeconsidered,withorwithoutprofessionaladvice,whendecidingifaninvestmentis
appropriate.
Thispresentationmaycontainforward-lookingstatementsoropinionsincludingstatementsregardingourintent,belieforcurrentexpectationswithrespectto
theG ro u p’sbusinessoperations,marketconditions,resultsofoperationsandfinancialcondition,capitaladequacy,sustainabilityobjectivesortargets,specific
provisionsandriskmanagementpractices. Whenusedinthepresentation,thewords‘forecast’,‘estimate’,'goal','target','indicator',' p l a n ','pathway',‘ambition’,
‘modelling’,‘ p r o j e c t ’,‘intend’,‘anticipate’,‘believe’,‘expect’,‘ m a y ’,‘probability’,‘risk’,‘ w i l l ’,‘ s e e k ’,‘would’,‘ c o u l d ’,‘should’andsimilarexpressions,astheyrelatetothe
Groupanditsmanagement,areintendedtoidentifyforward-lookingstatementsoropinions. Thosestatementsareusuallypredictiveincharacter; ormaybe
affectedbyinaccurateassumptionsorunknownrisksanduncertaintiesormaydiffermateriallyfromresultsultimatelyachieved. Assuch,thesestatementsshould
notberelieduponwhenmakinginvestmentdecisions. Thesestatementsonlyspeakasatthedateofpublicationandnorepresentationismadeastotheir
correctnessonorafterthisdate. Forward-lookingstatementsconstitute‘forward-lookingstatements’forthepurposesoftheUnitedStatesPrivateSecurities
LitigationReformAct of 1995. TheGroupdoesnotundertakeanyobligationtopubliclyreleasetheresultofanyrevisionstotheseforward-lookingstatementsto
reflecteventsorcircumstancesafterthedatehereoftoreflecttheoccurrenceofunanticipatedevents.

ANZ 2024 third quarter chart pack
2
SUMMARY -2024 THIRD QUARTER (3Q24)
BALANCES AS ATJUNE 24, MOVEMENTS JUNE 24 VS MARCH 24
Slide #
Capital APRA Level 2 CET1 ratio
•13.3%, including full impact of the $2b share buy back
1
•~12.0% on a pro forma basis (refer page 3 for pro forma adjustments)
3-4
Balance SheetCustomer Deposits: +2%
•Australia Retail and New Zealand division deposits were both flat while Commercial deposits increased with ~$1b growth in savings deposits
•Institutional deposits (ex Markets) increased 6%, 5% excluding the transfer of funds within the ANZ Group for the share buy back
1
. The underlying increase was
driven by higher at-call / operational balances from several large corporate customers
5 -10
Net loans and advances (NLA) +3%
•NLA increased $19b with growth in all 4 major divisions: Australia Retail (+2%), Australia Commercial (+2%), New Zealand division (+1%) and Institutional (+5%).
Institutional growth due largely to an increase in Markets lending balances and Trade lending
Exposure at Default (EAD) & Risk Weighted Assets (RWA)
•EAD increased 1% (+$15b), larger drivers including +$6b in residential mortgage and +$5b in Sovereigns and Financial Institutions
•RWA was flat with 4% reduction in Credit RWA primarily from mortgage PD model changes, offset by CRWA volume growth, mix and risk changes and Capital Floor
Adjustment (refer slide 10 for details)
Provisions &
credit quality
•Total Provision charge of $45m (2bps loss rate) in the June quarter, comprising a $27m individual provision charge (1bp loss rate) and $18m collective provision
charge
•Collective provision balance was stable at $4.05b, with 5bps increase in CP Coverage ratio (CP/CRWA) to 1.21% reflecting a reduction in CRWA arising from
Mortgage PD model changes
•Gross Impaired Assets (GIA) reduced from $1.5b to $1.4b with GIA as a % of total Gross Loans and Advances reducing 2bps to 0.19%
•Australian Housing 90+ Days Past Due (DPD) increased 5bps to 84bps while Australian consumer cards 90+ DPD remained relatively stable at 47bps. Both housing
and card 90+ DPD remain below 2020 levels
•NZ 90+DPD was 67bps, an increase of 3bps in the June quarter
11-13
1.A $2b share buyback was announced at ANZ’s 1H24 result in May with $548mcompleted to 16 August. Note however that the full $2bn of capital has been paid from ANZBGL to ANZGHL and so is incorporatedinthe 13.3% CET1 at30 June 2024

ANZ 2024 third quarter chart pack
3
1.Including June quarter profit, CRWA changes (excluding RWA initiatives – net of capital floor), IRRBB, Operational Risk, Market Risk, CVA, proceeds from the sale of 5.2% of the issued capital of AMMB Holdings Bhd(+5bps as announced on 31 May 2024) and
unrealisedvaluation changes mainly from hedged Semi-government securities (-5bps) and associated tax impact (-3bps)
2.Further detail provided on the following slide and in the ‘Update on capital position’ ASX announcement and conference call on 8August 2024, available on ANZ’s Shareholder Centre at https://www.anz.com/shareholder/centre/investor-toolkit/anz-updates/
3.A $2b share buyback was announced at ANZ’s 1H24 result in May with $548m completed to 16 August. Note however that the full $2bnof capital has been paid from ANZBGL to ANZGHL and so is incorporated in the 13.3% CET1 at 30 June 2024
4.LCR and NSFR figures shown are on a Level 2 basis per APRA prudential standard APS210
CAPITAL, LIQUIDITY, FUNDING
APRA Level 2 CET1 ratio –3Q24 Movement, %
Liquidity
4
LCR, quarterly avg. %
Funding
•ANZ’s final Term Funding Facility (TFF) tranche of $8b fully repaid
•ANZ BGL & ANZ NZ have issued a combined $34b of term
funding, largely completing FY24 requirements
•Suncorp Bank will continue to manage its own issuance alongside
ANZ BGL and ANZ NZ requirements
NSFR, end of period %
133
130
138
131
Sep 23Dec 23Mar 24Jun 24
116
115
118
116
Sep 23Dec 23Mar 24Jun 24
13.50
13.29
0.17
0.09
Mar 24Organic Cap
Gen and Others
1
RWA Initiatives -
net of capital floor
2
Share
buyback
3
Jun 24Suncorp Acquisition
- net of capital floor
2
RWA methodology/
model changes
2
Others (mainly
Net Dividend)
Jun 24 Pro forma
-0.46
~-1.05
~0.30
-0.52
~12.0
Update on capital position
On 8 August 2024, ANZ provided an update on its capital position following a series of
adjustments to CET1 arising from ANZ’s acquisition of Suncorp and future model and
prudential changes, reflected in the below capital position. A copy of the ASX release
and conference call transcript is available on the ANZ Shareholders Centre
2

ANZ 2024 third quarter chart pack
4
JUNE 2024 RWA CALCULATIONS
WITH IRB CAPITAL FLOOR ADD-ON AND PRO FORMA ADJUSTMENTS
1
$bnMar-24
BAU growth
and Others
3
Aus& NZ
Mortgage PD
model
changes
Jun-24Suncorp
4
AUS
Mortgage
LGD changes
Estimated
revised
APS112
RWA rules
Jun-24 pro
forma
Standardised RWA
597 1 -598 33 -(17)614
A: Standardised RWA @ 72.5%433 0 -433 24 -(12)445
B: Advanced RWA 430 (1)(16)413 33 (6)-440
C: IRB capital floor add-on (A-B) 3 2 16 20 (9)6 (12)5
Total RWA (B+C)433 433 445
1.Numbers include rounding
2.Further detail provided in the ‘Update on capital position’ ASX announcement and conference call on 8 August 2024, available on ANZ’s Shareholder Centre at https://www.anz.com/shareholder/centre/investor-toolkit/anz-updates/
3.Including RWA initiatives except for Mortgage PD model changes
4.Estimated impacts based on Mar-24 Suncorp Pillar 3 report
Update on capital position
On 8 August 2024, ANZ provided an update on its capital position following a series of
adjustments to CET1 arising from ANZ’s acquisition of Suncorp and future model and
prudential changes, reflected in the below capital position. A copy of the ASX release
and conference call transcript is available on the ANZ Shareholders Centre
2

ANZ 2024 third quarter chart pack
5
CUSTOMER DEPOSITS –AUSTRALIA
Australia Retail, $bAustralia Commercial, $b
49
30
27
15
Sep 19
121
65%
44
28
15
Sep 19
87
83%
% of total Aus. Retail% of total Aus. Commercial
65
66
67
68
33
36
37
37
45
47
47
47
22
21
21
20
Sep 23Dec 23Mar 24Jun 24
165
170
172
172
SavingsTerm DepositsOffsetTransact
61%59%
57
56
57
58
30
33
33
33
26
27
26
26
Sep 23Dec 23Mar 24Jun 24
113
116116
117
SavingsTerm DepositsTransact
78%77%

ANZ 2024 third quarter chart pack
6
CUSTOMER DEPOSITS –NEW ZEALAND & INSTITUTIONAL
17
45
27
Sep 19
89
70%
New Zealand division, NZDbInstitutional (ex. Markets
1
), $b
% of total NZ division
1.Excludes Markets business unit deposits (Sep 19: $112b; Sep 23 $113b; Dec 23 $124b; Mar 24 $98b; Jun 24 $105b )
71
106
105
107
116
33
46
44
43
43
1
Sep 19
1
Sep 23
1
Dec 23
1
Mar 24
1
Jun 24
105
153
150
151
160
Payments & Cash MgtTerm DepositsOther
21212121
46
48
49
50
39
39
39
38
Sep 23Dec 23Mar 24Jun 24
106
108
109109
SavingsTerm DepositsTransact
65%63%
Includes ~2b
transfer of funds
within the ANZ
Group for the
share buy back.
The underlying
increase was
driven by higher
at-call /
operational
balances from
several large
corporate
customers

ANZ 2024 third quarter chart pack
7
NET LOANS AND ADVANCES
Australia Retail, $bAustralia Commercial, $bNew Zealand division, NZDbInstitutional, $b
62
63
64
65
Sep 23Dec 23Mar 24Jun 24
2%
306
312
316
322
6
Sep 23
6
Dec 23
6
Mar 24
6
Jun 24
312
318
322
328
2%
131
132
133
134
Sep 23Dec 23Mar 24Jun 24
1%
210
209
206
217
Sep 23Dec 23Mar 24Jun 24
5%
Home Loans
Cards, Personal Loans & Other

ANZ 2024 third quarter chart pack
8
AUSTRALIA HOME LOAN PORTFOLIO
Home Loan FUM composition
1
, $bFixed rate Home Loan expiry profile, $b
1.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
only period 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
2.Month on month growth. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS)
Home loan growth
2
, MoM %
0.0
0.5
1.0
Dec
22
Mar
23
Jun
23
Sep
23
Dec
23
Mar
24
Jun
24
APRA System Total HousingANZ Total HousingMajor Bank growth (ex ANZ)
27
18
20
23
8
13
2H221H232H231H24
2
2H24FY25+
10
ExpiredStill to expire in 2H24Fixed rate portfolio still to expire FY25 onwards
185
190
205
209
212
215
62
63
68
70
71
73
21
23
25
25
25
26
5
5
Sep 21
3
4
Sep 22
3
3
Sep 23
3
3
Dec 23
3
3
Mar 24
3
3
Jun 24
278
283
304
310
314
320
OO P&IInv P&IOO I/OInv I/OEquity Manager

ANZ 2024 third quarter chart pack
9
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
229
286
46
47
10
Sep 20
411
280
295
45
44
6
Sep 21
415
307
333
49
40
8
Sep 22
448
366
245
52
38
14
Sep 23
457
354
235
52
38
15
Mar 24
463
393
234
54
38
19
Jun 24
359
1,080
1,152
1,163
1,151
1,166
1,010
Residential Mortgage
Sovereign & Financial Institution
2
Corporate
Specialised Lending
Retail (QRR & Other Retail)
Other
36
32
31
3030
29
57
53
50
49
4848
56
53
50
535353
28
2727
29
30
27
9
77
121212
Sep 20Sep 21Sep 22Sep 23Mar 24Jun 24
Total Group
Corporate & Specialised
Retail (ex Mortgages)
Residential Mortgage
Sovereigns & Financial Institution
2
27% includes reduction in RWA following Mortgage
PD model changes. ~25% when including Jun 24
pro forma AUS Mortgage LGD changes

ANZ 2024 third quarter chart pack
10
RISK WEIGHTED ASSETS (RWA)
RWA by category, $bCRWA movement
1
–Total group, $b
Credit RWA and EAD movement, $b
202
199
197
205
208
195
157
144
163
144
141
141
22
25
47
42
38
34
48
48
48
42
43
43
20
Sep 20Sep 21Sep 22Sep 23
3
Mar 24Jun 24
429
416
455
433433433
CRWA (ex. Instit.)
CRWA (Instit.)
Mkt. & IRRBB RWA
Op-R WA
Capital Floor Adjustment
348.4
335.4
3.7
1.7
Mar 24FXVolume
/ Mix
RiskModel &
Methodology
Changes
CVA (incl.
Hedges)
Jun 24
-1.5
-17.0
0.1
-12.6
0.7
0.4
6.4
1.5
9.5
4.4
Residential
Mortgage (Housing)
Corporate &
Specialised Lending
Sovereign &
Financial Institution
Other
0.0
Credit RWAEAD
Mar 24 vs Jun 24 FX adjusted
1.The attribution of CRWA movements requires assumptions and judgement; different assumptions could lead to different attributions
Further detail on Capital Floor
Adjustment, including Jun 24
pro forma ($5b) is provided in
the table on slide 4
Includes -16 from Mortgage PD
model changes (-9 Aus& -7 NZ)

ANZ 2024 third quarter chart pack
11
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
1Q202Q203Q204Q20
23
1Q212Q21
21
-53
3Q21
48
-92
4Q21
78
1Q22
9
2Q22
14
0
3Q22
-22
60
4Q22
17
1Q23
71
2Q23
64
13
3Q23
59
-24
4Q23
27
26
1Q242Q243Q24
116
1,558
500
564
-150
-341
-32
-44
-44
-49
14
38
-83
217
77
35
-240
6
11
17
18
27
45
53
Individual Provision (IP) charge / (release)Collective Provision (CP) charge / (release)
Bps1Q202Q203Q204Q201Q212Q213Q214Q211Q222Q223Q224Q221Q232Q233Q234Q231Q242Q243Q24
Individual
Provision
112917811113511-1-6443211
Total Provision7983135-10-22-2-3-3-1512-51342312

ANZ 2024 third quarter chart pack
12
COLLECTIVE PROVISION (CP)
CP balance and coverage
CP balance, $m
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 (inclBanks) includes non-bank Financial Institutions. Prior to March 2023, non-bank FIs were reported as Corporate
CP balance by division, $b
CP balance by portfolio, $b
Sep 20Sep 21Sep 22Sep 23Mar 24Jun 24
Australia Retail1.421.070.900.950.950.95
Australia Commercial1.431.160.981.041.051.05
Institutional1.511.351.381.431.461.46
New Zealand0.570.530.520.560.540.54
Pacific 0.080.100.080.050.050.05
Sep 20Sep 21Sep 22Sep 23Mar 24Jun 24
Corporate2.302.091.961.871.861.87
SpecialisedLending
0.320.270.260.270.290.27
ResidentialMortgage
1.060.790.730.790.810.82
Retail (ex Mortgages)
1.250.960.810.820.810.82
Sovereign / Financial
Institution
2
0.080.090.090.280.280.27
CP coverage %Sep 20Sep 21Sep 22Sep 23Mar 24Jun 24
CP / EAD
1
0.500.390.330.350.350.35
CP / CRWA
1
1.391.221.071.161.161.21
5,008
4,195
3,853
4,032
4,046
4,048
Sep 20Sep 21Sep 22Sep 23Mar 24Jun 24

ANZ 2024 third quarter chart pack
13
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.Includes Non-Performing Loans. ANZ delinquencies are calculated on a missed payment basis for amortising and Interest Only loans.
IMPAIRED ASSETS & 90+ DAYS PAST DUE
Consumer portfolio
4
90+ days past due as a % of portfolio balances
0.00
0.25
0.50
0.75
1.00
1.25
1.50
Sep
20
Dec
20
Mar
21
Jun
21
Sep
21
Dec
21
Mar
22
Jun
22
Sep
22
Dec
22
Mar
23
Jun
23
Sep
23
Dec
23
Mar
24
Jun
24
Australia Home LoansAustralia Consumer CardsNZ Home Loans
0.40%
0.31%
0.21%
0.21%
0.21%
0.19%
0.0
0.5
1.0
1.5
2.0
2.5
3.0
Sep 20Sep 21Sep 22Sep 23Mar 24Jun 24
2.5
2.0
1.4
1.5
1.5
1.4
Australia Retail
Australia Commercial
New Zealand
Institutional
Other
2
% of GLA

ANZ 2024 third quarter chart pack
14
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
Pavita Sivakumar
Senior Manager
Investor Relations
+61 3 8655 2597
+61 466 848 027
pavita.sivakumar@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
Steve Aquilina
Associate Director
Debt Investor Relations
+61 3 8654 7778
+61 447 744 542
steven.aquilina@anz.com
ANZ Shareholders CentreANZ Debt Investors Centre