Pillar 3 / 1Q24 Chart Pack

2024 FIRST QUARTER
CHART PACK
QUARTER ENDED 31 DECEMBER 2023
12 FEBRUARY 2024
This document should be read in conjunction with ANZBGL’s Basel III Pillar 3 Disclosure as atDecember 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
1
IMPORTANT INFORMATION – FORWARD-LOOKING STATEMENTS
ThematerialinthispresentationcontainsgeneralbackgroundinformationabouttheG ro u p’sactivitiescurrentasat9 February2024.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 first quarter chart pack
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SUMMARY -2024 FIRST QUARTER (1Q24)
ANZ
performance
(1Q24 vs
1H23
quarterly
average)
•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 FY23
average (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 execute
on 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 and
improved 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 Divisions
by 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 (for
comparison to prior periods see slide 10)
Capital
(at 31 Dec 23)
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)
3
Balance Sheet
(31 Dec 23 vs
30 Sept 23)
Customer Deposits
•+$8b in Australian Retail and Commercial deposits with the New Zealand Divisional Deposits +2b NZD. Liability mix shifts haveslowed 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)
4 -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/CR WA) (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

ANZ 2024 first quarter chart pack
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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
CAPITAL, LIQUIDITY, FUNDING
APRA Level 2 CET1 ratio –capital movement
Liquidity
2
LCR, quarterly avg. %
Funding
•In addition to $3b of pre-funding completed in FY23, ANZ has
issued a further ~$16b of term funding in FY24
•ANZexpectationsforFY24termfundingneedsis $30-35b
•ANZ remains well prepared for the modest Term Funding Facility
maturities of ~$8b in 2H24
%
NSFR, end of period %
133
130
Sep 23Dec 23
116.3
115.4
Sep 23Dec 23
13.34
13.06
11.86
0.42
0.04
Sep 23Underlying
R WA growth
1
Capital Generation
& Other
FY23 Final
Dividend
(Net of DRP)
Dec 23Suncorp
Acquisition
NOHC surplusDec 23
Pro forma
-0.06
-0.64
-1.24

ANZ 2024 first quarter chart pack
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CUSTOMER DEPOSITS –AUSTRALIA
6565
66
16
33
36
43
45
47
26
22
21
Sep 22Sep 23Dec 23
150
165
170
SavingsTerm DepositsOffsetTransact
Australia Retail, $bAustralia Commercial, $b
49
30
27
15
Sep 19
(Pre COVID)
121
65%54%
60%
61
57
56
21
30
33
30
26
27
Sep 22Sep 23Dec 23
112
113
116
44
28
15
Sep 19
(Pre COVID)
87
83%73%
77%
SavingsTerm DepositsTransact
% of total Aus. Retail
% of total Aus. Commercial

ANZ 2024 first quarter chart pack
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CUSTOMER DEPOSITS –NEW ZEALAND & INSTITUTIONAL
22
2121
38
46
48
44
39
39
Sep 22Sep 23Dec 23
104
106
108
SavingsTerm DepositsTransact
17
45
27
Sep 19
(Pre COVID)
89
70%58%
64%
New Zealand division, NZDbInstitutional (ex. Markets
1
), $b
71
117
106
105
33
38
46
44
1
Sep 19
2
Sep 22
1
Sep 23
1
Dec 23
105
157
153
150
Payments & Cash MgtTerm DepositsOther
% of total NZ division
1.Excludes Markets business unit deposits (Sep 19: $112b; Sep 22 $106b: Sep 23 $113b; Dec 23 $124b)

ANZ 2024 first quarter chart pack
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NET LOANS AND ADVANCES
Australia Retail, $bAustralia Commercial, $bNew Zealand division, NZDbInstitutional, $b
60
62
63
Sep 22Sep 23Dec 23
2%
290
312
318
Sep 22Sep 23Dec 23
2%
207
210
209
Sep 22Sep 23Dec 23
0%
129
131
132
Sep 22Sep 23Dec 23
1%

ANZ 2024 first quarter chart pack
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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 %
180
185
190
205
209
60
62
63
68
70
21
21
23
25
25
8
6
Sep 20
5
5
Sep 21
3
4
Sep 22
3
3
Sep 23
3
3
Dec 23
275
278
283
304
310
OO P&IInv P&IOO I/OInv I/OEquity Manager
0.0
0.5
1.0
Dec
22
Mar
23
Jun
23
Sep
23
Dec
23
APRA System Total HousingANZ Total HousingMajor Bank growth (ex ANZ)
27
18
20
12
11
2H221H232H23
10
(2Q24)
13
(1Q24)
1H242H24>2H24
23
ExpiredStill to expire

ANZ 2024 first quarter 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
46
47
10
Sep 20
411
280
295
45
44
6
Sep 21
415
307
333
49
40
8
Sep 22
448
366
249
48
38
14
Sep 23
454
379
240
48
38
393
Dec 23
229
286
18
1,010
1,080
1,152
1,163
1,177
+1%
Residential Mortgage
Sovereign & Financial Institution
2
Corporate
Specialised Lending
Retail (QRR & Other Retail)
Other
36
32
31
30
29
57
53
50
49
47
56
53
50
5353
28
2727
29
30
9
77
12
11
Sep 20Sep 21Sep 22Sep 23Dec 23
Total Group
Corporate & Specialised
Retail (ex Mortgages)
Residential Mortgage
Sovereigns & Financial Institution
2

ANZ 2024 first quarter chart pack
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RISK WEIGHTED ASSETS (RWA)
RWA by category, $bCRWA movement
1
–Total group, $b
Credit RWA and EAD movement, $b
202
199
197
205
206
157
144
163
144
139
22
25
47
42
39
48
48
48
42
43
Sep 20Sep 21Sep 22Sep 23
2
Dec 23
429
416
455
433429
-1%
CRWA (ex. Instit.)
CRWA (Instit.)
Mkt. & IRRBB RWA
Op-R WA
IRB Floor Adjustment
349.0
345.1
5.3
0.3
Sep 23FXVolume
/ Mix
RiskModel &
Methodology
Changes
CVA (incl.
Hedges)
Dec 23
-2.9
-0.1
-6.5
3.9
-6.3
0.7
0.7
7.0
-5.6
21.1
4.0
Residential
Mortgage (Housing)
Corporate &
Specialised Lending
Sovereign &
Financial Institution
Other
Credit RWAEAD
Sep 23 vs Dec 23 FX adjusted
Primarily from continued refinement in
processes, data and associated methodology
treatments post implementation of revised
Capital reforms in 2023
Includes impacts of Model
and Methodology Changes
(refer above)
1.The attribution of CRWA movements requires assumptions and judgement; different assumptions could lead to different attributions

ANZ 2024 first quarter 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
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
3Q234Q231Q24
116
1,558
500
564
-150
-341
-32
-44
-44
-49
14
38
-83
217
77
-240
59
35
26
27
53
-24
Individual Provision (IP) charge / (release)Collective Provision (CP) charge / (release)
Bps1Q202Q203Q204Q201Q212Q213Q214Q211Q222Q223Q224Q221Q232Q233Q234Q231Q24
Individual
Provision
112917811113511-1-64432
Total Provision7983135-10-22-2-3-3-1512-513423

ANZ 2024 first quarter chart pack
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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
5,008
4,195
3,853
4,032
4,026
Sep 20Sep 21Sep 22Sep 23Dec 23
CP balance by division, $b
CP balance by portfolio, $b
Sep 20Sep 21Sep 22Sep 23Dec 23
Australia Retail1.421.070.900.950.97
Australia Commercial1.431.160.981.041.04
Institutional1.511.351.381.431.41
New Zealand0.570.530.520.560.56
Pacific 0.080.100.080.050.05
Sep 20Sep 21Sep 22Sep 23Dec 23
Corporate2.302.091.961.871.85
SpecialisedLending
0.320.270.260.270.28
ResidentialMortgage
1.060.790.730.790.81
Retail (ex Mortgages)
1.250.960.810.820.81
Sovereign / Financial Institution
2
0.080.090.090.280.28
$26m increase from
Collective Provision charge
offset by FX impacts
CP coverage %Sep 20Sep 21Sep 22Sep 23Dec 23
CP / EAD
1
0.500.390.330.350.34
CP / CRWA
1
1.391.221.071.161.17

ANZ 2024 first quarter chart pack
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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.Includes Non Performing Loans. ANZ delinquencies are calculated on a missed payment basis for amortisingand 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 account
0.40%
0.31%
0.21%
0.21%
0.22%
0.0
0.5
1.0
1.5
2.0
2.5
3.0
Sep 20Sep 21Sep 22Sep 23Dec 23
2.5
2.0
1.4
1.5
1.6
Australia Retail
Australia Commercial
New Zealand
Institutional
Other
2
% of GLA
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
Australia Home LoansAustralia Consumer CardsNZ Home Loans

ANZ 2024 first quarter 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
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