Anz Group Holdings Limited · ASX:ANZ
Anz — Debt Investor Presentation (November 2024)
88 slides from Anz's debt investor presentation, November 2024
Slide 1: ANZ 2024 Full Year Results Debt Investor Presentation
ANZ 2024 Full Year Results Debt Investor Presentation November 2024 A uv? Ce) Full year ended 30 September 2024 y A | a l 4 ANZ Group Holdings Limited 9/833 Collins Street Docklands Victoria 3008 Australia ABN 16 659 510 791
Slide 2: Disclaimer & important notice
Disclaimer & important notice Background information only The information set out in this document and any accompanying verbal presentation, including any question and answer session and any documents or other materials distributed with the presentation, (together, the "Presentation") has been prepa
Slide 3: Disclaimer & important notice
Disclaimer & important notice Canada: This document is only for investors that are accredited investors, as defined in National Instrument 45-106 Prospectus Exemptions or subsection 73.3(4) of the Securities Act (Ontario), and are permitted clients, as defined in National Instrument 31-103 Registrat
Slide 4: Disclaimer & important notice
Disclaimer & important notice Singapore: This document is distributed in Singapore by the Bank solely for the information of “accredited investors” or (as the case may be) “institutional investors” (each term as defined in the Securities and Futures Act 2001 of Singapore). The Bank is licensed in Si
Slide 5: Version History
• • • Version History Version Date Issued Brief Outline of change 1.0 14-Nov-2024 Version for publication 1.1 10-Nov-2025 Change: Clarified reference to ‘energy customers’ as outlined in footnote on pages 77 and 78.
Slide 6: Contents
Contents 7) Overview & strategy Housing Group performance Divisional performance Group Treasury Environmental, Social & Governance (ESG) Asset quality Economics Key contacts
Slide 7: Overview & strategy
ANZ 2024 Full Year Results Overview & strategy XG
Slide 8: ANZ overview
ANZ overview ANZ - Four key divisions, share of FY24 revenue % ANZ has 42,000+ employees in 29 markets globally Australia, New Zealand, Pacific Australia Retail - Provides a range of banking Australia Cook Islands Samoa products and services to Australian consumers New Zealand Fiji Tonga Papua New G
Slide 9: ANZ overview
ANZ overview Credit rating upgrades from all three major ANZ GHL Snapshot FY24/As atSep24 vs FY23/Sep 23 rating agencies in FY24 : Cash Profit $6,725m -9% Senior Tier 2 Cash ROE 9.7% -1.3% Sep AA- A-(+4) Gross Loans and Adv. (FY24 Avg) 734 +6% Moody’s Aa2 (+41) A3 (+4) Customer Deposits (FY24 Avg) 6
Slide 10: A pivotal year for ANZ
A pivotal year for ANZ 1 Jo Jo Completed the purchase of Suncorp Bank [fi Completed the sale of AmBank shares Record result from Institutional G) DD Gaining momentum in ANZ Plus ) Alldata 30 Sep 2024. R&C: Australia Retail and Australia Commercial divisions Suncorp Bank acquisition - delivering scal
Slide 11: Suncorp Bank - strong growth since 2022 announcement
Suncorp Bank - strong growth since 2022 announcement? Customer deposits, $b Housing lending, $b Business lending, $b c=, Pe Customer numbers, m 1.26 Gross impaired assets % of gross credit exposures 1.20 48 48% 61% 12 13 0.18% 0.07% Jun 22 Sep 24 Jun 22 Sep 24 Jun 22 Sep 24 Jun 22 Sep 24 Jun 22 Sep
Slide 12: Suncorp Bank provides increased scale and diversification in Australia
Suncorp Bank provides increased scale and diversification in Australia Housing lending Household deposits (A$bn) 568 (A$bn) ' t 324 \ f | ie 304 | oa 1 210 ona ' f f HE bs 1 t H A Peer 4 Peer3 | ANZ | Peer 2 anztr Peer 1 Peer3 | ANN’ | Peer? anze, Suncorp Bank: LSuncorp Bank: Business lending! Busin
Slide 13: Dual Platform Future — resilient, low cost, agile
Dual Platform Future — resilient, low cost, agile ANZ Plus ANZ Transactive Global Contemporary digital platform with features designed to Secure, configurable platform offering seamless access to core banking services help customers improve their financial wellbeing such as Cash Mgt, FX, Trade Finan
Slide 14: The bank we’re building: ANZ Plus
The bank we’re building: ANZ Plus ANZ Plus - rapidly launching new features and propositions Progress of ANZ Plus 1 Foundation Build Rapid Expansion Future Ready Increased investment on engaging propositions and Engaging financial wellbeing features customers at scale as ANZ Plus Flex Saver (Oct 24)
Slide 15: The bank we’re building: ANZ Plus
The bank we’re building: ANZ Plus More efficient - faster to deploy, lower cost Cost to serve? 20%) —C35%) Cost to acquire* ANZ ANZ Plus ANZ Plus ANZ ANZ Plus ANZ Plus FY23 FY24 FY23 FY24 More engaging — higher customer lifetime value Customers engaged with a FWB feature? Main bank customer*+ 399k 5
Slide 16: The bank we’re building: ANZ Transactive Global
The bank we’re building: ANZ Transactive Global Institutional customer deposits, $b Payment & Cash Management revenue, $m 3% CAGR 28% CAGR 264 243 CAGR wo Ba 110 1,817 CAGR Leadership in Payments, underpinned by sustained investment in ANZ Transactive Global Best Bank for Payments Globally 2024 874
Slide 17: FY25 priorities
FY25 priorities foKe) roy mn Maintain a purpose- led culture, focus on non-financial risk Remain focused on productivity 1) Deliver strong and sustainable financial outcomes =@® Improve platform excellence oO O+ Drive value from Suncorp Bank Make ANZ Plus more successful
Slide 18: Group performance
ANZ 2024 Full Year Results Group performance XG
Slide 19: Overview
Overview Revenue, $m Profit before provisions, $m Cash profit, $m 20,905 20,809 7,413 18,547 17,447 FY2i FY22 FY23 FY24 FY2i FY22 FY23 FY24 FY2i FY22 FY23 FY24 (ex acq. (ex acq. accounting)* accounting)? 4. Suncorp Bank acquisition accounting includes accelerated software amortisation charge of $36m
Slide 20: Total operating income & expenses
Total operating income & expenses including Suncorp Bank Total income, $b Total expenses, $b FTE by geography, ‘000 toa 10.7 5.5 5.2 0.15) 96 P 0.27] Poi] 42.4 a. 19 10 39.4 398 403 40.3 aL 09 16 73 7.2 7.2 19.6 19.6 19.3 FY22 FY23 FY24 1H24 2H24 FY22 FY23 FY24 1H24 2H24 Sep 22 Mar23 Sep23 Mar24 Sep
Slide 21: Full Year 2024 — Banking
Full Year 2024 — Banking? excluding Suncorp Bank FY24, $m Australia Australia New Zealand (NZD) Institutional Total Retail Commercial (Personal and (ex Markets) Business) $ vsFY23 $ vs FY23 $ vs FY23 $ vs FY23 $ vs FY23 Total income 5,887 -8% 3,506 -2% 3,841 0% 4,705 +2% 17,854 -3% Operating expense
Slide 22: Suncorp Bank acquisition
Suncorp Bank acquisition FY24 impact on ANZ Group Financials Acquisition completed 31 July 2024 FY24, $1 ANZ excludi Suncorp Bank ANZ total Suncorp Bank ANZ total Suncorp Bai (2 months earnings) (ex acq. accounting) acq. accounting! Group Total income 20,552 257 20,809 - 20,809 Operating expenses 10
Slide 23: Net interest margin (NIM)
Net interest margin (NIM) Group NIM, 2H24 vs 1H24 bps Group ex Group ex Markets Markets 2.33% 2.38% 1 2 158 —_ 158 156 4 “4 — -1 | | -2 -1 1H24 Assets Deposits Wholesale Assets & Capital & 2H24 ex Impact of Impact of 2H24 pricing pricing funding funding mix __ replicating impact of Suncorp Bank Mark
Slide 24: Group operating expenses
Group operating expenses excluding Suncorp Bank $m 291 ao «6 || toaa7 106. 10.553 10,139 || “897 incl. | incl. Cloud Highest restructuring and ANZ annual and Suncorp Plus dual —_ productivity Bank run costs delivered integration / migration to ANZ Plus +4% FY23 Wage & Strategic Productivity FY24 Oth
Slide 25: Portfolio quality
Portfolio quality excluding Suncorp Bank Individual Provision loss rate+, bps Risk-intensity (AIRB Corporate, Bank, Fl, Retail ex Mortgages)? 47% 49% ote - - a a a 7 ANZ Peer 2 Peer 3 Peer i 0.40 Consumer portfolio 90+ Days past due? % of GLAs 1.2 0.05 O8 0.4 0.00 0.0 FY20 FY21 FY22 FY23 FY24 Sep Se
Slide 26: Expected credit loss - Economic scenarios and modelled outcomes
Expected credit loss - Economic scenarios and modelled outcomes CP Balance (ECL), $m 1) Additional overlays Hl Scenario & weights Hl 100% base case 10,182 4,247 4,032 3,580 Sep 241, $m Weightings to scenarios to determine CP balance 0.7% 46.0% 40.5% + 12.8% 1,951 1,502 Sep 23 Sep 241 100% 100% 100%
Slide 27: Banking - Net loans and advances
Banking - Net loans and advances excluding Suncorp Bank Australia Retail, $b Australia Commercial, $b New Zealand, NZDb Institutional, $b Mar 23 Sep 23 Mar24 Sep 24 Mar 23 Sep 23 Mar24 Sep 24 Mar 23 Sep23 Mar24 Sep 24 Mar 23 Sep 23 Mar24 Sep 24 HB Home Loans Hl SME Banking HM Home Loans Hl Corporate
Slide 28: Banking - Customer deposits
Banking - Customer deposits excluding Suncorp Bank Australia Retail, $b Australia Commercial, $b New Zealand, NZDb Institutional, $b 278 177 266 165 172 156 50 45 47 44 Mar 23 Sep 23 Mar24 Sep 24 Mar 23 Sep23 Mar24 Sep 24 Mar 23 Sep 23 Mar24 Sep 24 Mar 23 Sep23 Mar24 Sep 24 Hi Transact {| Term Depos
Slide 29: Group Treasury
ANZ 2024 Full Year Results Group Treasury XG
Slide 30: Regulatory capital
Regulatory capital ANZ Bank Group capital * Level 2 CET1 ratio of 12.2% (Level 1 (Li) CET1 ratio of 12.6%). This is above APRA’s expectation of an 11% - 11.5% operating range * RWA initiatives include mortgage PD/LGD RWA modelling changes, partially offset by higher capital deductions, higher IRB ca
Slide 31: ANZ Group capital
ANZ Group capital ANZ Group capital composition, $b ANZ Bank Group key capital ratios Sep 23 Mar 24 Sep24 95.8 a Level 2 CET4 capital ratio 13.3 13.5 12.2 90.6 91.9 93.77 pi Level 2 CETL HoH mvmt +16 bps +16 bps -130 bps Additional Tier 1 capital ratio 19 19 18 Tier 1 capital ratio 15.2 15.4 14.0 59
Slide 32: Capital ratios on a Basel Harmonised basis
Capital ratios on a Basel Harmonised basis Level 2 capital ratio (APRA vs Basel Harmonised)*, % 29.8 307 : 28.2 21.9 21.0 25 25 20.6 io 18 19.7 19.7 13.5 412.2 APRA Basel APRA Basel APRA Basel Harmonised Harmonised Harmonised Sep 23 Mar 24 Sep 24 Hl Common Equity Tier 1 Ml Additional Tier 1 [7 Tier
Slide 33: Regulatory capital update: APRA’s Additional Tier 1 discussion paper
Regulatory capital update: APRA’s Additional Tier 1 (AT1) discussion paper Proposed changes to simplify the capital framework Updated minimum APRA capital requirements including buffers * APRA released a discussion paper in September 2024, proposing changes to phase out ATi * The proposal is to repl
Slide 34: Regulatory capital — risk weighted assets
Regulatory capital — risk weighted assets Risk weighted assets — Level 2, $b Total Credit RWA increase +$12.7b 27 = Oe _ zs CRWA FX Mar24 Divisional Lending Risk Impacts Other CRWA Suncorp CRW, Suncorp Market Risk & Other (Additional 2H24 impacts FX adjusted non-CRWA IRRBBRWA Op. Risk overlay & IRB
Slide 35: Term wholesale funding
Term wholesale funding! ANZ has access to a diverse range of wholesale funding + FY24 term funding issuance of $42b?, with a further $3b issued in FY24 by Suncorp Bank pre-acquisition + Expected FY25 term funding needs of ~$35b across ANZ? (~$30b) and Suncorp Bank (~$4-6b) + ANZ continues to benefit
Slide 36: Suncorp Bank term wholesale funding
Suncorp Bank term wholesale funding Suncorp Bank funding requirements are consistent with prior years * Post the acquisition in July, Suncorp Bank’s credit ratings were equalised to that of ANZBGL by each of the key rating agencies (AA-/Aa2/AA-) * For the interim period that Suncorp Bank remains a s
Slide 37: Tier 2 capital
Tier 2 capitalt ANZ is well placed to meet APRA and RBNZ Tier 2 requirements Tier 2 capital, Notional amount % + APRA Level 2 Total Capital ratio is 20.6%. On a Basel Harmonised basis, total capital ratio is 28.2% Mi usp * Current APRA Level 2 Tier 2 ratio is 6.5% (in line with the January 2026 requ
Slide 38: Australian TLAC in a global context
Australian TLAC in a global context Australian banks’ Tier 2 relative value Australia Canada Scandinavia United Kingdom Netherlands France Singapore 120 120 120 120 “Lid” ~1i07] e ° "iid ~~ 110" “iio ° e ° CBA Westpac NAB TD RBC BMO CIBC SHB SEB DanskeNordeaBarclays HSBC LloydsNatWestRabo- ING ABN C
Slide 39: Balance sheet structure
Balance sheet structuret NSFR movement, % Balance sheet composition, Sep 24 NSFR composition, Sep 24 OTRONE 116.1 -3.7 -1.0 -0.6 -0.3 -0.3 Sep 23 Deposits Wholesale Loans TFF Securities FX& Suncorp Sep 24 &Repo Debt Unwind & Other? Funding Impact Secured Lending 705 607 Mortgages 40' Retail/SME Resi
Slide 40: Liquidity coverage ratio (LCR) summary
Liquidity coverage ratio (LCR) summary+ Movement in average LCR surplus?, $b OTe ONE FY23 FY24 Avg LCR 130% Avg LCR 133% 4 , z | Ze = -3 62 2 FY23 Liquid —_Retail/ Corp/ Wholesale Other* FY24 Suncorp FY24 LCR Assets SME FI/ PSE? Funding? LCR LCR Offshore short-dated Financial Institution (Fl) deposi
Slide 41: Capital and Replicating Deposits Portfolio
Capital and Replicating Deposits Portfolio* Includes unhedged component Australia, % a ORNwWAT Sep Nov Jan Mar May Jul Sep Nov Jan Mar May Jul Sep 22 22 23 23 23 23 23 23 24 24 24 24 24 — Portfolio Eamings Rate? — 3m BBSW (Monthly Average) — 5 Year AUD Swap Rate? New Zealand, % 6 4 ° Sep Nov Jan Mar
Slide 42: Capital & liquidity prudential outlook
Capital & liquidity prudential outlook? Quarter 4 CY2024 Consultation following 2027 (TBC) APRA Additional Tier 1 Discussion Paper cacteloetaln Loss-Absorbing Capacity (LAC) Transition 2026 Comprehensive review of APS210 (Liquidity) Consultation Implementation (TBC) 2026/2027 (TBC) Recovery and Reso
Slide 43: Asset quality
ANZ 2024 Full Year Results Asset quality A a Asset quality disclosures for September 2024 period are presented both including and excluding Suncorp Bank unless otherwise stated
Slide 44: Individual and Collective Credit Impairment (provision) charge
Individual and Collective Credit Impairment (provision) charge Individual provision (IP) charge / (release), $m Collective provision (CP) charge, $m 123 1H24 2H24 —-2H24t Total CP charge 163 “tt 32 “14 230 Volume/Mix 44 -28 63 25 210 tHo3 oH23 toa ona oHoat Change in Risk 24 30 169 98 98 Hi New Ml I
Slide 45: De-risked through portfolio reshaping
De-risked through portfolio reshaping Retail Total ~12 (ex. Mortgages) 150 Total exposures, EAD $b Regulatory expected loss (REL)*® = _% of EAD defaulted® REL/IRB EAD, 2H24 Wholesale portfolio, 2H24 894 4,173 4,260 0.41% 0.68% 5 1 0.28% sovereigns ' Sovereign ~0 0.31% Banks & Fis 1 H Banks & Fis o4
Slide 46: Long run provisions & loss rates
Long run provisions & loss rates Total credit impairment charge, $m 4,800 4,500 4,200 Hl Consumer Individual Provision Hl Commercial Individual Provision {i Institutional Individual Provision 900 600 1 Collective Provision charge / (release) 300 Oo) -300 -600 -900 4Hi6 2Hi6 «= 1Hi7,- 2Hi7--«iHi8 «=
Slide 47: Collective provision (CP) balance
Collective provision (CP) balance Provision balance by stage, Sep 241 $b 20) —_o 181 as 15 a os Stage 1 Stage 2 Stage 3 Stage 3 (IP/CP) 1 Australia Retail Institutional Il Suncorp Bank Il Individual Provisions 9 Australia Commercial New Zealand Ill Pacific / Other Ill Collective Provisions Portfolio
Slide 48: Impaired Assets
Impaired Assets Gross impaired assets, $b New impaired assets, $b Gross impaired assets, $b Control list, Indexed data By division By division By size of exposure Sep 20=100 120 3 2.0 3 0.21% 0.21% 022% 0.21% 01 o——*—— 16 90 2 12 1.69 se 152 ay 152 152 pos 60 424 0.83 086 0.86 424 i Za 08 . mm ee ||
Slide 49: Total portfolio composition
Total portfolio composition Gross Impaired Assets* Exposure at Default (EAD) distribution % of Impaired Assets to EAD? Category % of Group EA\ Sep23 Mar24 Sep24* i Sep23 Mar24 Sep24! Sep 24? 3. Excludes unsecured retail products which are 90+ DPD EAD excludes amounts for the ‘Securitisation’ Basel c
Slide 50: Commercial Property
Commercial Property Outstandings by region, GLA $b Outstandings by sector, % Commercial property collateral?:3, % 79% of portfolio well secured 7.6% 75% 74% 73% : : — _ _ : 44% | = | : i 34% / / H 12% : 1 9% i” | | —e Sep 22 Sep 23 Sep 24 Sep 244 Sep 22 Sep 23 Sep 24 Sep 244 ' Cash Fully Fully | Par
Slide 51: ANZ Institutional portfolio
ANZ Institutional portfolio Size & tenor by market of EAD Industry composition, EADt Product composition, EAD* Market of incorporation, EAD* By market of incorporation, $b Sep 24 539 I Finance, Investment & Insurance I Net Loans, Advances & Acceptances Hl Australia IM South Korea Hl Government & Off
Slide 52: Institutional Asia portfolio
Institutional Asia portfolio Asia portfolio composition, % of EAD* Investment grade 96% China - Corporate2 $8.4b 7.4 $ $5.0b Sep 20 Sep 23 Sep 24 Sep 24 HM AAA to AA- MD A+ to BBB+ |) BBB to BBB- BB+ to BB- Asia industry composition, EAD* Asia China I Finance, Investment & Insurance HB Manufacturing
Slide 53: Housing
ANZ 2024 Full Year Results Housing XG
Slide 54: Australia home loans — portfolio overview
Australia home loans — portfolio overview excluding Suncorp Bank Number of Home Loan accounts Total FUM Average Loan Size? % Owner Occupied? % Investort % Equity Line of Credit % Paying Variable Rate Loar? % Paying Fixed Rate Loan® % Paying Interest Only” % Broker®® 944k 193k? $324b $89b $344k | $48
Slide 55: Australia & New Zealand 90+ days past due (DPD)
Australia! & New Zealand 90+ days past due (DPD) Consumer portfoliot 90+ DPD as a % of total portfolio balances 150 1.25 1.00 0.75 0.50 0.25 0.00 Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep ig i8 i9 19 i9 i9 20 20 20 20 24 21 214 24 22 22 22 22
Slide 56: Australia home loans — portfolio resilience
Australia home loans — portfolio resilience Home Loans repayment profile? Home Loans on time and <i month ahead profile 2° % of accounts ahead of repayments % composition of accounts 40 20 0 Overdue OnTime <imonth 41-3 3-6 6-12 41-2years >2 years Sep 22 Sep 23 Sep 24 ahead months months months ahead
Slide 57: Australia home loans - portfolio origination and attributes
Australia home loans - portfolio origination and attributes Home loans portfolio, Sep 24 Total Portfolio ($b) With the rising rate environment, 23% of customers are now on interest rates higher ANZ Interest rate buffer & floor Home loan applications are assessed at the greater of the customer intere
Slide 58: Australia home loans — portfolio performance
Australia home loans — portfolio performance Home loans 90+ DPD (by state) +4 Home loans delinquenciest2.3.4 % of portfolio segment balances % of portfolio segment balances is 3 io 2 1 06 0) Sep Mar Sep Mar Sep Mar Sep Mar Sep Mar Sep VIC &TAS NSW & ACT QLD WA SA & NT Portfolio is 20 20 21 21 22 22
Slide 59: Lenders mortgage insurance
Lenders mortgage insurance excluding Suncorp Bank September full year 2024 results LMI & Reinsurance structure Australian Home Loan portfolio LMI and Reinsurance structure at 30 Sep 24 Gross Written Premium ($m) $89.1m (% New Business FUM Oct 23 to Sep 24) Not LM! Insu Net Claims Paid ($m) $3.4m Los
Slide 60: New Zealand home loans — portfolio overview
New Zealand home loans — portfolio overview Number of Home Loan Accounts 538k 545k = 555k 50k 56k % Paying Interest Only 13% Total FUM (NZD) 1045 107. Add 19b 2b % Paying Principal & Interest 87% Average Loan Size (NZD) i94k = 197k =. 200k | 371k = 382k % Broker Originated 47% Market Share* 30.4% 30
Slide 61: Divisional performance
ANZ 2024 Full Year Results Divisional performance XG
Slide 62: Australia Retail
Australia Retail Sustaining momentum Increasing Digitally active users * ANZ Plus customers increased 84% with over $7bn additional FUM Users, ‘000s + Improved Home Lending capability enabling growth of 1.3x system * Increased personalised messaging supported two-year high in brand consideration 4,2
Slide 63: Australia Commercial
Australia Commercial Customer contribution 24% of total group revenue ~66% of customers have at least one Retail product ~71% of Australian based Transactive Global users are Commercial customers Investment and innovation ~1/3 eligible SME customer transaction account openings occurred digitally GoB
Slide 64: Australia Commercial - changes to simplify the business
Australia Commercial - changes to simplify the business and bring the best of ANZ to our customers O O O O O (Lending, $b) (Deposits, $b) (NPAT, $b) (Fully Secured Lending) [G2 —, pee G2 —, as ay 65.0 116.3 1.34 68% 58.3 819 1.20 © Sep 17 Sep 24 Sep 17 Sep 24 FY17 FY24 Sep 17 Sep 24 64
Slide 65: New Zealand
New Zealand 1 Market Strength Market Strength . #1 market position in New Zealand, incl. Home Loans, Agri and KiwiSaver Brand Consideration+, % . #1 Brand Consideration! among banks in NZ . Canstar Bank of the Year in Small Business and Business Credit Cards for the 5th consecutive year, and for Sma
Slide 66: New Zealand division
New Zealand division Balance sheet and financial strength Housing ANZ Performance, NZDb 104.6 107.3 109.5 diii Mar 23 Sep 23 Mar 24 Sep 24 HM owner Occupied Il Residential Investment Loan Credit quality Total Provision Charge/(Release), NZDm 82 40 26 1H23 2H23 1H24 2H24 HM individual Provision Ill C
Slide 67: Institutional
Institutional . wee . Return on Equity Leading Institutional Franchise 13% 14% + #1 Institutional and Corporate Bank across Australia, NZ and Asia 9 * Deep, long-term relationships with core customers who value our network and capabilities (~60% 10% 9% customers use multiple products) * We operate i
Slide 68: Institutional
Institutional Summary Customer franchise revenue, $m 4,938 FYi9 MB Lending MM Non-lending Customer franchise revenue! mix, % Geography, % Segment, % FY2i FY24 FY2i FY24 HM 4us.&PNG [lll International Il Financial institutions Il New Zealand Ml other Excludes: Balance Sheet Trading and Derivative Val
Slide 69: Institutional: Payments and cash management
Institutional Payments and cash management PCM deposit volumes & margins? Balance, $b 0.87% 0.87% 0.82% 0.83% 0.79% 149 150 154 46 43 44 102 34 71 74 77 48 19 16 17 17 t Sep19 Mar23. Sep23.- Mar24.-— Sep 24 * Deposit margin I Term deposits HM Operational / at-call (Aus. & PNG) 1. Deposit NIM represe
Slide 70: Institutional: Digital platforms
Institutional Digital platforms- scalable operating leverage, capital light Payments? Direct integration payments? Real time paymentst:2 Client monies m m NPP agency, m Platform cash mgt. accounts®, k @.4%) ¥ @ = 142 268 343 430432 gig 333 360 oo 27 Deposit Balance’, $b 229 1i5 183 i8 35 37 44 AL 16
Slide 71: Payments offering has strengthened, underpinned by Transactive
Payments offering has strengthened, underpinned by Transactive Institutional platform performance Payments*, m Direct integration payments!?, m Real time payments (NPP Agency)?,m Client Monies, Accounts®, k +16% CAGR +20% CAGR +35% CAGR +17% CAGR. 360 154 27 432 229 89 268 if a 2H24 2H24 2H24 2H24 2
Slide 72: Markets income — Customer franchise
Markets income — Customer franchise+ Markets income composition — Customer Franchise, $m Second Half Performance 12% CAGR 670 681 575 76 53 = 120 Tit 189 164 381 370 352 2H24 2H22 2H23 2H24 First Half Performance 12% CAGR 869 1 757 617 590 iW 125 139 332 aaa 128 18i =e S 3 324 407 304 1H24 1H22 1H23
Slide 73: Environmental, Social & Governance (ESG)
ANZ 2024 Full Year Results Environmental, Social & Governance (ESG)
Slide 74: e>-\F
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Slide 75: ANZ progress towards net-zero
ANZ progress towards net-zero Implemented Climate Change Risk Assessment online tool to support bankers to engage with selected large business customers on climate risk First Australian bank to join the . We will extend our engagement to the next cohort of Set two additional NZBA sectoral pathways:
Slide 76: How we are driving our ambition
How we are driving our ambition Our five year Climate and Environment Strategy sets out our objective to be a trusted partner for our customers, supporting them to adapt and become more resilient, to a changing environment and economy. In particular, we aim to be a leading bank in supporting an effe
Slide 77: Large emitters engagement program (LEEP)
Large emitters engagement program (LEEP) + Since 2018, our engagement with our large emitting business customers has continued to provide us with deeper insights into their transition plans, the opportunities available to them and the challenges they face. + We expect the path to net-zero will be no
Slide 78: Supporting our LEEP customers’ transition
. 1 ss Supporting our LEEP customers’ transition Evolved disclosure approach to better categorise LEEP customers’ transition journey * We continue to review our customers’ transition plans against 100 largest a customers grouped by transition phase for 2024 our upgraded 2024 assessment framework. 20
Slide 79: Implementing our sectoral pathways to transition our lending
Implementing our sectoral pathways to transition our lending to net-zero financed emissions? Sectoral pathways and targets backing customer decarbonisation pe This year we disclosed our progress towards transitioning our lending portfolio within eight of our higher emitting sectors (which includes t
Slide 80: Portfolio emissions pathways — energy & transport
Portfolio emissions pathways — energy & transport Power generation Oil & gas Thermal coal fim) 10 — AN 8.2030 two patay 24% AN basine 30% “HIP HLL EE inh ei:e!etetee:e aah: = setnpetomnce spins == EANEEOU O24 pny a oR 8 Absolute emissions (MICO,-e) PE} € 8 8 = Gevalmerage meseositnsty =~ 2090tupet s
Slide 81: Portfolio emissions pathways — manufacturing & buildings
Portfolio emissions pathways — manufacturing & buildings Aluminium | 5 g g : 3 g o— o- / a @ € € € € € € € € € §€ € € FE FE EE E = leedpineaitodint 20 Sitinptnaing OG = hinipiomere org iiarpcny ti: Commercial real estate- office buildings Commercial real estate- shopping centres 100 (me) z 3° ‘ete p
Slide 82: Our resources portfolio
Slide 83: Slide 83
Slide 84: Australia & New Zealand economic forecast
Slide 85: Global economic scorecard
Slide 86: ANZ economic forecasts – global comparison
Slide 87: Australia & New Zealand housing
Slide 88: Key contacts
ANZ Group Holdings — Debt Investor Presentation (November 2024) on 6ix