2025 THRD QUARTER CHART PACK

Quarter ended 30 June 2025

This document should be read in conjunction with ANZBGL's Basel III Pillar 3 Disclosure as at 30 June 2025 (APS 330: Public disclosure)

15 August 2025

Approved for distribution by ANZ's Continuous Disclosure Committee

ANZA

ANZ Group Holdings Limited 9/833 Collins Street Docklands Victoria 3008 Australia ABN 16 659 510 791

Important information

Forward-looking statements

The material in this presentation contains general about the Group's activities current as at 14 August 2025. It is information given in ummary form and does not purport to be complete.

It is not intended to be and should not be relection or potential investors, and does not take into account the investment objectives, financial situation or needs of any particular investor. with or without professional advice, when deciding if an investment is appropriate.

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Summary - 2025 third quarter (3Q25)

Contents	Summary (Balances at 30 June 2025, movements 30 June 2025 vs 31 March 2025)	Page
Capital & RWA	Capital · Level 2 CET1 ratio of 11.94% for ANZBGL, an increase of 16bps since March 2025. 12.15% including NOHC surplus capital	4
	RWA • Credit RWA increased \$6b (+1%), largely from lending in Institutional and Australia Retail (primarily housing) · Operational RWA increased \$3b, including the impact of the additional operational risk capital overlay of \$250m² · Capital floor add-on reduced by \$1b from the management of standardised Credit RWA movements	5
Balance Sheet	Customer deposits 2: +\$19b (+3%) • Institutional deposits' increased \$1.3b (+8%) with Payments and Cash Management deposits up \$66 • Total Retail & Commercial deposits in Australia (increased \$36 (+1%) with increases in savings and transactions, partly offset by reductions in offset and term deposits. New Zealand division increased by NZ\$20 (+2%)	6
	Net Loans and Advances (NLA)2: +\$16b (+2%) • Institutional NLA' increased \$3b (+2%) with growth primarily in Financial Institutions and Property segments • Total Retail & Commercial N.A in Australia (increased \$8b (+2%) and New Zealand division increased \$2\$26 (+1%)
Provisions & Credit Quality •	· Individual provision (IP) charge of \$97m, represents a 5bps annualised IP loss rate (2Q25 6bps annualised IP loss rate) The Collective Provision balance stable at \$4.28b with no net Collective Provision charge in the June quarter Australian Housing 90+ Days Past Due (DPD) 88ps, NZ Housing 90+ DPD 93bps and Australian Credit Cards 90+ DPD 51bps – refer slide 9 for 90+ DPD trends	8 & 9

Capital

APRA Level 2 CET1 ratio - 3Q25 movement, %

ANZ Bank Group capital

· Level 2 CET1 ratio of 11.94% an increase of 16bps since Mar-25
· Underlying RWA growth (excluding Markets RWA) was mainly due to lending growth in the Institutional and Australia Retall divisions
·
· Capital floor add-on contributed a +3ps increase to the CET I ratio in +2bps from the management of starchardised Creatif RWA and +1 bp from non-Credit RWA movements

^1. Underlying RWA growth inclusive of CRWA volumes and risk changes, IRRB, Operational Risk (excluding FX impacts)

Markets RWA Includes Markets CRWA (volume growth and Credit Valuation Adjustment), and Traded Market Risk 2.

ကဲ Additional \$250m Operational Risk capital overlay effective from Apr-25 contributed an extra \$3.1b Operational Risk RWA

Including the remaining \$832m (as at 30 June 2025) of the \$2bn share buy-back announced in FY24 held in ANZGHL 4.

Risk Weighted Assets (RWA) and Exposure at Default (EAD)

Risk intensity (CRWA/EAD)2, %		Sep 24	Mar 25	Jun 25
Total Group	30	29	28	28
Corporate & Specialised	48	50	49	50
Retail (ex Mortgages)	53	52	52	52
Residential Mortgage	30	26	27	27
Sovereign & FI (inc. Bank)	12	11	11	11

Risk Weighted Assets2, \$b

Credit Risk Weighted Asset drivers2,3, \$b

ED ecoldes annunts for the Securities in a Post CM basis, net of creat risk migation such as guarates, creati carinatives, neting and manist of eting and manist of and criman

Includes Suncorp Bank from Sep 24

Exposure at Default1.2, \$b

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

Volume / Mix and CVA movements include foreign exchange impacts on markets-related derivative products

Customer deposits

Suncorp Bank, \$b

Mar 25

+3%

Jun 25

121

New Zealand, NZDb

+2%

113

Mar 25

115

Jun 25

Institutional1, \$b

Savings

Net Loans and Advances

Transaction Banking

+2%

Provision Charge and Collective Provision Balance

Total provision charge / (release)1, \$m

Loss rates1,2, bps

	3Q23							3Q25
ব	က	2	1	1	ব	2	ഗ്ര	ട്ര
ব	ประเทศ	က	--	റ	33	2	ച	റ
	Individual Provision			Total Provision

CP balance by division4 \$b	Mar 24	Sep 24	Mar 25	Jun 25
Australia Retail	0.95	0.93	0.94	0.94
Australia Commercial	1.05	1.05	1.04	1.04
Institutional	1.46	1.44	1.49	1.48
New Zealand	0.54	0.54	0.51	0.52
Suncorp Bank		0.25	0.25	0.25
Pacific & Other	0.05	0.04	0.05	0.05
Total	4.05	4.25	4.23	4.23

CP balance by portfolio² \$b	Mar 24	Sep 24	Mar 25	Jun 25
Corporate	1.86	1.93	1.90	1.86
Specialised Lending	0.29	0.36	0.40	0.42
Residential Mortgage	0.81	0.84	0.89	0.89
Retail (ex Mortgages)	0.81	0.84	0.84	0.85
Sovereign / Financial Institution	0.28	0.28	0.25	0.26
Total	4.05	4, 25	4.23	4.28

Including Suncorp Bank from Sep 24 ਜ ਂ

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

Exades \$244n establishment of ECL allewane for performing. This does not reflect a charge in the credit quilly of the portfolion is need a creeff aquisition related charge ന്

Exposures include gross loans and advances, credit commitments and contingents facilities
Excludes Suncorp Bank
Includes Gross Impaired Assets and Hardship accounts. 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 account

Group Investor Relations

Jill Campbell
Group General Manager
Investor Relations

+61 3 8654 7749 +61 412 047 448 [email protected] Cameron Davis Executive Manager Investor Relations +61 3 8654 7716 +61 421 613 819 [email protected] Pavita Sivakumar Senior Manager Investor Relations +61 3 8655 2597 +61 466 848 027 [email protected]

Retail investors

Michelle Weerakoon Manager Shareholder Services & Events +61 3 8654 7682 +61 411 143 090 [email protected]

Debt investors

David Goode Head of Debt Investor Relations +61 410 495 399

[email protected]

ANZ Debt Investors Centre https://www.anz.com/debtinvestors/centre/

ANZ Shareholder Centre https://www.anz.com/shareholder/centre/

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10425_rns_2025-08-15_92362397-49bb-4abf-ab29-1661137661e5.pdf