ANZ Group Holdings Limited · ASX:ANZ
ANZ — FY2026 Earnings Presentation
111 slides from ANZ's earnings presentation, Nov 9, 2026
Slide 1: 2026 Full Year Results
2026 Full Year Results rsonal use only 9 November 2026 Full year ended 30 September 2026 Results Presentation & Investor Discussion Pack Approved for distribution by ANZ’s Continuous Disclosure Committee ANZ Group Holdings Limited 9/833 Collins Street Docklands Victoria 3008 Australia ABN 16 659 510
Slide 2: Important information
Important information The material in this presentation contains information about the activities of ANZ Group Holdings Limited and its subsidiaries (the “ANZ Group”) current as at 6 November 2026. It is information given in summary form, does not purport to be complete and should be considered toge
Slide 3: Contents
rsonal use only CONTENTS Chief Executive Officer presentation 4 Chief Financial Officer presentation 25 Investor Discussion Pack Corporate overview 40 Additional financial information 56 Treasury 68 Risk management and Housing 81 Climate & Nature Strategy 104 Further information 111 3
Slide 4: 2026 Full Year Results - Nuno Matos, CEO
2026 Full Year Results rsonal use only Nuno Matos Chief Executive Officer 4
Slide 5: Unlocking our potential to win the preference of customers
Unlocking our potential to win the preference of customers, shareholders and the community. Strategic pillars Customer first Simplicity Resilience Delivering value rsonal use only With market leading, differentiated and To set the market standard for productivity, Leading the industry in trust, safe
Slide 6: Our external operating environment
Our external operating environment rsonal use only Global investment in clean energy, Australia 10-year bond yield vs US GDP growth across key markets3,% defence and AI spend1, USD trn 10-year bond yield2, % 17.5 8 5.2 15.0 7 4.6 4.5 4.4 12.5 6 4.0 3.7 3.4 10.0 5 3.2 3.3 2.8 4 7.5 2.4 2.2 2.0 2.0 3
Slide 7: FY26 overview
FY26 overview Financial performance Shareholder outcomes Balance sheet strength rsonal use only Return on tangible equity (ROTE), % Dividend per share, cents Level 2 CET1 ratio, % 11.56 166 166 12.03 11.99 10.471 8.79 FY25 FY26 FY25 FY26 FY25 FY26 Franking rate ROTE Interim dividend 70% 75% Signific
Slide 8: Progress under the ANZ 2030 five immediate priorities
Progress under the ANZ 2030 five immediate priorities1 1 Embed new leadership team and continue to drive a cultural reset rsonal use only Launched new values: Put customers first, Deliver with excellence, Own the outcome, Work as one Integrate Suncorp Bank faster to deliver value 2 On track to compl
Slide 9: Embed new leadership team and drive cultural reset
1. Embed new leadership team and continue to drive a cultural reset Our values rsonal use only Put customers first Deliver with excellence Own the outcome Work as one By providing better outcomes By setting high standards and By taking accountability By bringing the best of for customers every day d
Slide 10: Integrate Suncorp Bank faster to deliver value
2. Integrate Suncorp Bank faster to deliver value1 rsonal use only Integration activity since resetting the program as announced at ANZ strategy update in Oct 25, %2 Complete a safe and secure 85% migration of Suncorp Bank to ANZ by June 2027 34% Completed 1H26 Completed 2H26 Expectation to Mar 27 6
Slide 11: Accelerate the delivery of the single customer front-end
3. Accelerate the delivery of the single customer front-end1 rsonal use only Execution progress since resetting the program as announced at ANZ strategy update in Oct 25, %2 Deliver the single 13% customer front-end to our 8 million Retail and 80% Small Business customers by September 2027 Completed
Slide 12: Reduce duplication and simplify the organisation
4. Reduce duplication and simplify the organisation rsonal use only Estimated and actual gross cost savings in FY26, $m 902 Delivered $902m 875 in gross cost 800 510 savings in FY26, exceeding guidance provided 392 at FY25 & 1H26 FY26 guidance FY26 guidance FY26 actual at FY25 results at 1H26 result
Slide 13: Enhance non-financial risk management to improve resilience
5. Enhance non-financial risk management to improve resilience1 rsonal use only Non-financial risk management progress On track to deliver Design • Released second and third independent the activities in the assurance reports by Promontory2 Root Cause • Made substantial progress in building the Reme
Slide 14: Unlocking our potential: strategic pillars and core enablers
Unlocking our potential to win the preference of customers, shareholders and the community rsonal use only Strategic pillars Customer first Simplicity Resilience Delivering value With market To set the market standard Leading the industry in trust, To sustainably improve our leading, differentiated
Slide 15: Customer first: Australia Retail
Customer first Australia Retail rsonal use only Customers Save and transact deposits, $b Home lending, $b 6.57m Total deposits4 +2% +5% +4% 100 103 275 MFI share1 22 22 264 11.3% -0.4% vs Sep 25 79 81 NPS2 +5.2 +3.5 pts vs Sep 25 Sep 25 Savings Transactional Sep 26 Proprietary Sep 25 32% 33% Sep 26
Slide 16: Customer first: Business & Private Bank
Customer first Business & Private Bank rsonal use only Customers Save and transact deposits, $b Lending, $b 590k Total deposits4 0% +6% +6% 85 85 156 147 MFI share1 24 23 17.1% 67 72 +0.7% vs Sep 25 61 62 80 84 NPS2 -5.0 -3.2 pts vs Sep 25 Sep 25 Savings Transactional Sep 26 Sep 25 Home loans 3 Sep
Slide 17: Customer first: Suncorp Bank
Customer first Suncorp Bank rsonal use only Customers Save and transact deposits, $b Lending, $b 1.25m Total deposits3 -7% -3% -1% 34 73 72 31 Retail MFI share1 13 12 14 1.9% 13 -0.6% vs Sep 25 60 60 20 18 Retail NPS2 +11.5 -5.0 pts vs Sep 25 Sep 25 Savings Transactional Sep 26 Sep 25 Home loans Sep
Slide 18: Customer first: Institutional
Customer first Institutional rsonal use only Operational / at-call deposits2, $b Markets revenue3, $m Total deposits5 Leading Institutional Bank +8% +10% +24% -3% +1% 135 2,139 2,067 across Australia (#2) and 125 630 New Zealand (#1) for 678 relationship strength and quality and the best bank 1,509
Slide 19: Customer first: New Zealand
Customer first New Zealand rsonal use only Customers (Personal & Business) Save and transact deposits, NZDb Lending, NZDb 2.72m +4% Total deposits3 +4% +5% Personal 61 64 145 138 MFI share1 NPS2 23 22 33.6% +26.8 39 42 +1.5% vs Sep 25 +8.1 pts vs Sep 25 116 122 Business 22 21 MFI share1 NPS2 Sep 25
Slide 20: Our AI framework
Our AI framework1 A critical enabler of our ANZ 2030 strategy AI framework aligned to ANZ 2030 pillars rsonal use only Customer first Simplicity Resilience Delivering value • Differentiated segment propositions • Simplified organisational structure • Strengthened non-financial risk • Higher returnin
Slide 21: Our priority AI use cases
Our priority AI use cases1 High-value AI use cases supporting ANZ 2030 rsonal use only Better tools and systems Re-platforming our Accelerating engineering: for our frontline bankers contact centre experience including the delivery of our Single Customer Front End • Consolidated CRM view equips our
Slide 22: Enterprise AI Control Plane
Enterprise AI Control Plane1 Is being implemented to safely scale AI faster, with humans in control rsonal use only Enterprise AI Control Plane2 Common Visibility Ongoing Built-in safety Auditability point of control across all AI governance guardrails • AI systems connect • AI tools are registered
Slide 23: Our AI foundations
Our AI foundations1 underpin how targeted use cases scale across ANZ rsonal use only AI Architecture AI-ready data AI Skills & Literacy3 & Platforms2 foundations2 Reusable AI capabilities to scale Progressively improving legacy data to Practical, role-based AI skill uplift to delivery, reduce fragme
Slide 24: Key messages
Key messages rsonal use only Transformation is moving Continuing to invest The business at pace, shareholders are for growth in line with is gaining being rewarded ANZ 2030 momentum 24
Slide 25: 2026 Full Year Results - Farhan Faruqui, CFO
2026 Full Year Results rsonal use only Farhan Faruqui Chief Financial Officer 25
Slide 26: FY26 overview: key financial metrics
FY26 overview Financial performance & key financial metrics (ANZ 2030 strategy) rsonal use only Cash profit Revenue/Avg RWA Cost to income ratio Return on tangible equity CET1 ratio $m +10% % 7,591 4.75 4.83 53.42 11.56 12.03 11.99 6,8961 49.26 10.47 1,109 5,787 FY25 FY26 FY251 FY26 FY251 FY26 FY251
Slide 27: Cash profit and impact of significant items
Cash profit and impact of significant items – Full Year FY26 vs FY25 rsonal use only FY25 FY26 FY26 vs FY25 (on a constant $m currency basis) Statutory Profit 5,891 7,270 +23% Cash Profit 5,787 7,591 +31% +32% Significant items included in Cash Profit1: (1,109) Cash Profit adjusting for significant
Slide 28: Revenue – Full Year
Revenue – Full Year $m +1% rsonal use only +3% 467 78 72 29 22,479 22,184 21,899 21,833 -351 FY25 FY25 excl Impact of FY25 on a Net interest Net fee and Other income3 Markets FY26 significant FX2 constant income3 commission income items1 currency basis income3 % Reported % Constant currency 1. Panin
Slide 29: Revenue – Second half
Revenue – Second half $m +1% rsonal use only +2% 347 28 11,204 11,275 -43 11,062 -119 -142 1H26 Impact of FX1 1H26 on a Net interest Net fee and Other income2 Markets 2H26 constant income2 commission income currency basis income2 % Reported % Constant currency 1. Includes FX translation impact -$178
Slide 30: Net interest margin (NIM)
Net interest margin (NIM)1 FY27 expectations: Group NIM ex Markets, bps Group NIM, bps 4bps NIM benefit from the replicating portfolio expected over the rsonal use only next 12 months (2bps higher than previously indicated). 1H27 NIM ex Markets expected to remain broadly stable half on half. +2bps f
Slide 31: Balance Sheet – Customer deposits
Balance Sheet – Customer deposits1 Customer deposits by division, $b Customer deposits by type, $b rsonal use only +6% +8% +6% +8% 670 25 633 670 68 +9% +9% -4 62 8 -2 9 193 +14% +18% 633 170 179 179 0% +1% +30 constant +5 currency In NZD basis +4% +7% 222 230 Sep 252 Australia Business Institutiona
Slide 32: Balance Sheet – Lending
Balance Sheet – Lending1 Net loans and advances (NLA) by division, $b NLA by Geography, $b rsonal use only +4% +6% +4% +6% 811 15 782 811 76 +19% +26% 9 64 -4 -1 132 11 138 -5% +3% (162 in NZD) NZD 782 (158 in NZD) +19 580 604 +4% +4% constant +6 currency In NZD basis Sep 252 Australia Business Inst
Slide 33: Markets revenue
Markets revenue1 Total Markets revenue composition, $m Markets revenue by Geography, $m rsonal use only First half Second half -3% +1% +3% +7% 2,139 2,067 1,108 -10% -4% 1,073 1,066 323 347 959 307 1,251 1,149 -8% -2% 55 80 331 114 80 55 102 19 211 224 123 226 255 272 +7% +14% 175 370 377 376 633 64
Slide 34: Operating expenses
Operating expenses1 FY27 expectations: $m FY27 total expenses expected to remain flat to the pro forma rsonal use only FY26 cost base of $11.26 billion2 -7% -4% 12,880 11,849 286 278 11,547 ~11,260 -53 11,074 -302 -984 Includes NZ loan Suncorp Bank Salary & wage Prioritised information synergies $82
Slide 35: Portfolio credit quality
Portfolio credit quality Individual provision loss rate1, bps Consumer portfolio 90+ DPD2, % 1.0 0.95 rsonal use only 11 0.8 0.83 5 0.6 4 4 4 0.46 0.4 0.2 Long run 1H25 2H25 1H26 2H26 Mar 25 Sep 25 Mar 26 Sep 26 loss rate Aus. Home Loans NZ Home Loans Aus. Consumer Cards Individual provision charge,
Slide 36: Provisioning
Provisioning Collective provision (CP) coverage ratio1, % CP loss coverage2, # of years rsonal use only 1.13 1.18 1.22 1.20 CP balance, $m 12.6 4,379 4,453 4,530 4,280 • CP charge of $96m in 2H26 with a 493 405 resulting balance of $4.53b, $2.1b above base case scenario 8.9 1,566 1,697 • 53% of scen
Slide 37: Capital
Capital ANZBGL APRA Level 2 Common Equity Tier 1 (CET1) ratio – 2H26 Movement, % rsonal use only Level 1 Level 1 12.92 12.60 0.80 12.39 -0.53 0.07 -0.24 11.99 -0.42 -0.08 Includes: Surplus organic -0.29 from IRRBB capital generation and -0.09 from data methodology changes Mar 26 Cash Profit Net Divi
Slide 38: Liquidity and Funding
Liquidity and Funding Term Wholesale Funding Profile1, $b Net Stable Funding Ratio3, % Liquidity Coverage Ratio3, Average % rsonal use only Issuance Maturities2 40 133 132 132 34 116 115 116 $75b 32 $109b surplus Regulatory surplus Minimum 100% FY26 FY27 FY28 Sep-24 Sep-25 Sep-26 FY24 FY25 FY26 Seni
Slide 39: FY27 Focus
FY27 Focus rsonal use only Sustaining revenue momentum Maintaining cost discipline Efficient funding and capital allocation 39
Slide 40: Investor Discussion Pack: Corporate overview
2026 Full Year Results rsonal use only Investor Discussion Pack Corporate overview 40
Slide 41: ANZ has a strong foundation
ANZ has a strong foundation rsonal use only A strong heritage, with a history dating back to 1828, evolving through organic growth and mergers and acquisitions to become a "Big Four" bank in Australia & New Zealand Employees and • Operating across 29 markets customers • >11m customers across Retail,
Slide 42: Unlocking our potential: strategic pillars
Unlocking our potential to win the preference of customers, shareholders and the community rsonal use only Strategic pillars Customer first Simplicity Resilience Delivering value With market To set the market standard Leading the industry in trust, To sustainably improve our leading, differentiated
Slide 43: Our targets
Our targets1 rsonal use only Increase Return on Tangible Equity (ROTE) towards 12% by FY28 and towards 13% by FY30 Achieve a cost-to-income ratio in the mid-40s percent by FY28 and sustained through to FY30, including Estimated Suncorp Bank synergies of $500 million with full run-rate synergies
Slide 44: Tracking our progress: Customer first
Tracking our progress Customer first Key performance indicators Australia Business & Suncorp New Zealand New Zealand Institutional rsonal use only Retail Private Bank Bank Retail Business MFI share1 MFI share3 Retail MFI share5 MFI share7 MFI share7 11.3% 17.1% 1.9% 33.6% 31.3% Leading Institutional
Slide 45: Tracking our progress: key performance indicators
Tracking our progress Key performance indicators rsonal use only Simplicity Resilience Delivering value Cost to income ratio (CTI)1 Common Equity Tier 1 (CET1) Ratio Return on Tangible Equity (ROTE)1 49.26% 11.99% 11.56% -416bps vs FY25 -4bps vs Sep 25 +109bps vs FY25 Delivered gross cost Suncorp Ba
Slide 46: Customer first: Australia Retail
Customer first Australia Retail1 rsonal use only Differentiated Strengthen proprietary Elevate channel propositions for origination experiences customer segments Invest and train mortgage sales force Single customer front-end Mass affluent segment Increase lenders in branches, up to Invest in banker
Slide 47: Customer first: Business & Private Bank
Customer first Business & Private Bank1 rsonal use only Front line that matches The right platform Build on strong Private our ambition for the right customer Bank foundations Increase bankers by close to 50% Transactive Global to the middle- More relationship managers market segment Better tools an
Slide 48: Customer first: Institutional
Customer first Institutional1 rsonal use only Targeted customer Market leading Capital management acquisition platforms to optimise returns Financial Institutions; Corporates with Extending our leading position in New capital management structure links to Australia and New Zealand; and payments, cas
Slide 49: Customer first: New Zealand
Customer first New Zealand1 rsonal use only Re-platformed Refreshed segment Investing in business for the future propositions bankers Bring customer experience in line Bespoke propositions to customer Provide business relationship with leadership position, by segments, including affluent and manager
Slide 50: Simplicity
Simplicity rsonal use only Automation & External spend Artificial Intelligence Significant optimisation opportunities, a formal program, four areas Organisational Investment change portfolio review 50
Slide 51: Resilience
Resilience rsonal use only Capital & Credit quality Non-Financial Risk balance sheet management Strong capital, funding and liquidity Reshaped lending book, drive A better run bank position good risk outcomes, believe structural in nature One of only 13 banks globally in the AA band by all three rat
Slide 52: Delivering value: financial outcomes of immediate priorities
Delivering value Financial outcomes of immediate priorities1 rsonal use only Integrate Suncorp Bank faster to deliver value Estimated total cost synergies (pre-tax) Estimated integration costs (pre-tax) $500m $745m per annum full run-rate from FY29 Status at Sep 26, $m Status at Sep 26, $m Synergies
Slide 53: Supporting our stakeholders
Supporting our stakeholders rsonal use only Our customers & debt (fixed income) investors Paying interest to our customers and debt investors, enabling us to provide lending and related services to our customers 10% Our people Our people in 29 markets are equipped with the skills and tools to 7% del
Slide 54: Fuelling the fire: ANZ's First Nations Strategy
Fuelling the fire: ANZ’s First Nations Strategy (Australia)1 ANZ's Fuelling the Fire strategy is a long-term investment in growth and resilience, aligned to the expansion of the First Nations economy – forecast to generate $50b in annual revenue within a decade2 rsonal use only Our focus on three st
Slide 55: Tākiri-ā-Rangi - ANZ NZ's Te Ao Māori Strategy 2040
Tākiri-ā-Rangi - ANZ NZ’s Te Ao Māori Strategy 2040 Tākiri-ā-Rangi is ANZ NZ’s undertaking to work toward a better future with Māori and New Zealand. Running to 2040, the strategy supports Māori economic development through building internal language and cultural capability, recruiting and retaining
Slide 56: Investor Discussion Pack: Additional financial information
2026 Full Year Results rsonal use only Investor Discussion Pack Additional financial information 56
Slide 57: Revenue & expenses
Revenue & expenses Total revenue, $b rsonal use only Revenue composition, % 11.3 11.0 10.9 11.2 1.1 1.1 1.1 1.0 0.2 0.0 0.4 0.4 0.9 0.9 0.9 0.9 8.8 8.9 8.8 9.0 20% 25% 1H25 2H25 1H26 2H26 NII ex Markets Other income ex Markets FY26 Net fee and commission ex Markets Markets $22,479m 5% Total expenses
Slide 58: Total investment spend
Total investment spend Investment spend by category, $m rsonal use only FY25 FY26 1,703 Investment spend expensed 74% 71% 1,461 879 Investment spend expensed, $m 1,257 1,030 736 Capitalised Software balance, $m 998 1,090 268 214 Amortisation expense, $m 348 258 434 402 Avg amortisation period (years
Slide 59: Total balance sheet composition
Total balance sheet composition Exposure at default1, $b Risk weighted assets2, $b Net loans & advances2, $b Customer deposits2, $b rsonal use only 1,364 486 861 815 1,319 0% 459 2% 829 1,260 3% 6% 447 8% 803 8% 748 7% 2% 9% 3% 7% 6% 8% 9% 715 10% 8% 12% 7% 13% 14% 8% 11% 7% 14% 15% 11% 15% 14% 14%
Slide 60: Net loans and advances
Net loans and advances Australia Retail1, $b Business & Private Bank1, $b Suncorp Bank, $b New Zealand, NZDb Institutional, $b rsonal use only 273 280 156 234 262 269 149 74 146 5 5 145 147 72 73 72 140 143 217 216 5 5 19 136 205 15 16 18 12 26 51 13 13 12 24 25 41 48 24 2 34 43 2 2 22 39 40 40 2 21
Slide 61: Customer deposits
Customer deposits Australia Retail1, $b Business & Private Bank1, $b Suncorp Bank, $b New Zealand, NZDb Institutional, $b rsonal use only 180 142 56 56 56 120 336 173 140 55 116 119 168 171 134 134 113 0 17 7 7 7 293 299 16 7 282 43 15 15 1 1 38 40 41 1 55 57 145 35 34 37 40 16 15 15 52 55 34 16 135
Slide 62: Risk adjusted revenue
Risk adjusted revenue Total Group Australia Retail1 Business & Private Suncorp Bank New Zealand1 Institutional1 rsonal use only Bank1 Revenue / Avg total risk weighted assets (RWA), % 5.55 5.60 5.78 5.55 5.57 5.51 6.04 5.87 4.61 4.88 4.79 5.60 5.00 4.54 4.47 3.55 3.64 3.34 2H25 1H26 2H26 2H25 1H26 2
Slide 63: Institutional performance summary
Institutional performance summary Customer franchise revenue1, $b Core lending2, $b Risk intensity (Core lending2) rsonal use only 3.0 3.0 3.0 2.28% 2.22% 2.25% 2.22% 52% 2.8 2.4 1.52% 40% 41% 40% 40% 1.6 1.6 1.6 1.4 1.32% 1.44% 1.42% 1.39% 1.35% 1.3 276 259 258 276 230 1.4 1.5 167 163 169 182 1.1 1
Slide 64: Institutional margins
Institutional margins NIM1 drivers (ex. Markets), bps Risk adjusted NIM4 (ex. Markets) – by geography, bps rsonal use only 220 Institutional Australia & PNG -5 211 366 370 372 363 357 356 346 332 345 337 340 337 -3 0 -1 1H26 Funding Deposit mix & Lower Lending 2H26 1H245 2H245 1H25 2H25 1H26 2H26 1H
Slide 65: Markets revenue
Markets revenue1 Total Markets revenue, $m Customer Franchise revenue2, $m rsonal use only Second half 759 670 681 55 628 2,107 2,184 2,139 35 45 102 2,067 76 120 19 54 103 13 123 12 189 226 164 175 531 617 626 666 370 352 376 311 2H23 2H24 2H25 2H26 First half 869 757 118 750 761 1,550 1,509 80 55
Slide 66: Institutional payments and cash management
Institutional payments and cash management PCM revenue, $m Balance by rate sensitivity, $b Zero low-rate deposits, $b rsonal use only (excluding term deposits) (by currency) 857 827 823 135 777 652 157 154 149 124 203 Customer rate Low-rate deposits 700 673 674 653 changes are 449 where the largely
Slide 67: New Zealand division – Balance sheet and financial position
New Zealand division – Balance sheet and financial position rsonal use only Housing lending1 Business lending2 Agri lending NZDb NZDb NZDb 116.1 118.9 121.2 14.7 15.2 15.3 15.7 113.4 7.1 7.5 6.7 6.8 Mar 25 Sep 25 Mar 26 Sep 26 Mar 25 Sep 25 Mar 26 Sep 26 Mar 25 Sep 25 Mar 26 Sep 26 Owner occupied Re
Slide 68: Investor Discussion Pack: Treasury
2026 Full Year Results rsonal use only Investor Discussion Pack Treasury 68
Slide 69: ANZ Group capital
ANZ Group capital ANZ Group capital composition1, $b rsonal use only 97.8 98.9 99.4 ANZ Bank Group key capital ratios (%) Sep 25 Mar 26 Sep 26 Level 2 CET1 capital ratio 12.0 12.4 12.0 Level 2 CET1 HoH mvmt +25 bps +36 bps -40 bps 33.8 33.7 35.0 Additional Tier 1 capital ratio 1.6 1.6 1.2 Tier 1 cap
Slide 70: Capital ratios on a Basel Harmonised basis
Capital ratios on a Basel Harmonised basis APRA Level 2 CET1 ratio – 30 September 2026 12.0% rsonal use only Level 2 capital ratio (APRA vs Basel Harmonised)1, % Australia APRA requires cohort specific multipliers (i.e. 1.4x for Owner Residential Occupier Principal and Interest & 1.7x for all Other
Slide 71: Regulatory capital
Regulatory capital ANZ Bank Group capital • Level 2 CET1 ratio of 11.99% (Level 1 CET1 ratio of 12.60%), key drivers included: • Cash profit less dividend and underlying RWA growth (+3bps) rsonal use only • An increase in IRRBB RWA (-29bps), including a temporary impact from replicating portfolio he
Slide 72: Regulatory capital – risk weighted assets
Regulatory capital – risk weighted assets Risk weighted assets – Level 2, $b rsonal use only 11.1 2.5 485.9 8.1 4.6 2.4 464.0 461.1 -2.6 -1.2 -2.9 Mar 26 FX impacts Mar 26 Divisional Risk Other Traded IRRBB Capital floor ANZ Worldline Sep 26 FX adjusted lending impacts credit Market Risk adjustment
Slide 73: Balance sheet structure
Balance sheet structure1 NSFR Year-on-Year movement, Sep 26 % Balance sheet composition, Sep 26 rsonal use only Offshore ST Wholesale Debt 4% 7.6 1.4 Domestic ST Wholesale Debt 3% 115 116 Wholesale Deposits, -5.4 Liquid and Other Assets Repo and Other -1.8 18% 36% Corporate, PSE and Operational FI L
Slide 74: Liquidity coverage ratio (LCR) summary
Liquidity coverage ratio (LCR) summary1 Average LCR surplus2 Average FY26 LCR composition, $b rsonal use only $b FY25 FY26 YoY Total Liquid Assets 313 308 -5 Offshore short-dated Financial 308 HQLA1 293 288 -5 Institution (FI) deposits are Other LCR Liquids5 typically placed with Central HQLA2 16 17
Slide 75: Term wholesale funding
Term wholesale funding1 ANZ has access to a diverse range of wholesale funding Portfolio composition5 • Term funding issuance in FY26 of $40b, including $3.5b of FY27 prefunding, ~52% issued in domestic currencies rsonal use only Product • Expected FY27 term funding of ~$25-30b including ~$5b from A
Slide 76: Tier 2 and AT1 portfolio
Tier 2 and AT1 portfolio1 ANZ is well placed to meet Tier 2 requirements APRA Tier 2 and AT1 capital, Notional amount % • ANZBGL issued ~$6b of Tier 2 in FY26. This included the first ever AUD Benchmark rsonal use only 15nc10 FRN transaction 11% 3% 2% • ANZ has a diversified approach to sourcing Tie
Slide 77: Regulatory Updates
Regulatory Updates Australia Regulatory Update • In June 2026, APRA released a consultation paper outlining targeted reforms to the credit risk capital framework for ADIs. The proposals include lowering standardised credit risk for public infrastructure exposures, improving risk sensitivity of high-
Slide 78: Equity and replicating deposits portfolio
Equity and replicating deposits portfolio Includes unhedged component Australia, % Portfolio earnings rate, Average % rsonal use only 6 Australia New Zealand 5 1H24 2.35% 3.06% 4 2H24 2.54% 3.57% 3 1H25 2.78% 3.78% 2 2H25 2.91% 3.84% 1 1H26 3.14% 3.70% 0 Jan 21 Jul 21 Jan 22 Jul 22 Jan 23 Jul 23 Jan
Slide 79: Foreign Currency Earnings Hedges
Foreign Currency Earnings Hedges1 Hedging Strategy Earnings Related Hedge P&L (pre-tax cash basis) ($m) rsonal use only • Where appropriate, the Group takes out economic hedges against foreign currency USD NZD 135 denominated revenue streams (primarily NZD and USD) 99 • These hedges protect the Grou
Slide 80: Regulatory outlook
Regulatory outlook1,2 rsonal use only 2026 2027 2028 onwards Implementation Date APRA Additional Tier 1 Implementation 2027 APRA Credit Risk (Standardised) Capital Consultation Implementation 2027 Comprehensive review of APS210 (Liquidity) Consultation Implementation 2028 onwards Resolution planning
Slide 81: Investor Discussion Pack: Risk Management & Housing
2026 Full Year Results rsonal use only Investor Discussion Pack Risk Management & Housing 81 Risk Management metrics include Suncorp Bank from Sep 24 onwards
Slide 82: Individual and collective credit impairment
Individual and collective credit impairment Individual provision (IP) charge / (release), $m Collective provision (CP) charge / (release), $m rsonal use only 159 168 212 1H25 2H25 1H26 2H26 148 215 247 Total CP charge / (release) -14 128 126 96 269 205 32 80 44 74 Volume/Mix 17 -13 38 42 -127 -101 -
Slide 83: Collective provision (CP) balance
Collective provision (CP) balance Provision balance by stage, Sep 26 $b Portfolio composition and coverage, Sep 26 % rsonal use only 2.5 2.28 CP coverage 0.52% 1.20% 0.34% 0.48% 2.0 1.54 150% 1.5 1.09 1.09 $865b $377b $1,346b $943b 100% 1.0 0.5 50% 0.0 0% Stage 1 Stage 2 Stage 3 Stage 3 Gross loans
Slide 84: Expected credit loss – Economic scenarios and modelled outcomes
Expected credit loss – Economic scenarios and modelled outcomes Sep 261, $m rsonal use only Average weightings to scenarios to determine Economic scenarios Actual Base case 2 CP balance 30 September 2026 CY2025A CY2026F CY2027F CY2028F 1% 46% 39% 14% Australia GDP change3 2.0% 1.9% 1.3% 2.0% Unemplo
Slide 85: Credit impairment charges & historical loss trends
Credit impairment charges & historical loss trends ANZ historical loss rates1, bps Total credit impairment charge2, $m rsonal use only 250 1,800 1,500 200 1,200 900 150 600 300 100 0 -300 50 -600 0 -900 Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep 1H20 2H20 1H21 2H21 1H22 2H22 1H23 2H23 1H24 2H24 1H25 2H
Slide 86: Long run loss rate based on current book mix
Long run loss rate based on current book mix ~11bps Total exposures, EAD % Average Group observed loss rates (IPC/GLA), bps rsonal use only 36 Post Basel II (2008 – 2026) loss rate adjusted for current book mix 11bps 2% 1% 2% Other 23 16 14% Sovereigns 10 21% 9% Banks & FI 1991 - 2026 2001 - 2026 20
Slide 87: Portfolio quality
Portfolio quality Probability of default distribution, wholesale IRB EAD1,3 2H26, $b Probability of default distribution, retail IRB EAD2,3 2H26, $b rsonal use only Investment grade 83% 200 200 150 150 100 100 50 50 1% 0.22% 0 0 AAA to AA- A+ to BBB+ BBB to BBB- BB+ to B+ B to B- CCC+ to C Default 0
Slide 88: Non-performing exposures
Non-performing exposures Non-performing exposures1, Non-performing Non-performing New non-performing rsonal use only $m Well secured exposures, $m Not well secured exposures, $m Not well secured exposures, $m By level of security By division By division By division 9,048 7,750 1,298 826 7,046 53 1,2
Slide 89: Consumer and wholesale portfolio risk trends
Consumer and wholesale portfolio risk trends Consumer portfolio1 Control list4, indexed data rsonal use only 90+ DPD as a % of total portfolio balances Sep 20=100 1.50 120 1.25 90 1.00 0.75 60 0.50 30 0.25 0.00 0 Sep Mar Sep Mar Sep Mar Sep Mar Sep Mar Sep Mar Sep Mar Sep Mar Sep Sep Mar Sep Mar Sep
Slide 90: Risk weighted assets and exposure at default
Risk weighted assets and exposure at default Exposure at default1, $b Total risk weighted assets (RWA), $b Credit risk weighted asset drivers2, $b rsonal use only 1,342 1,303 1,304 1,346 469 464 486 459 0 22 23 21 21 12 3 3 55 19.2 0.5 1.6 377.3 403 51 54 55 369.6 422 390 382 28 54 32 40 -4.8 -8.8 5
Slide 91: Total portfolio composition
Total portfolio composition Non-performing 1 % of Non-performing not well Category % of Group EAD not well secured Exposure at Default (EAD) distribution secured to EAD1 ($m) rsonal use only Sep 25 Mar 26 Sep 26 Sep 25 Mar 26 Sep 26 Sep 26 Consumer Lending 43.5% 43.8% 42.8% 0.1% 0.1% 0.1% 445 4.2% F
Slide 92: Commercial Property
Commercial Property Commercial property collateral1,2, % rsonal use only Outstandings by region, GLA1 $b Outstandings by sector, GLA1 % 77% of portfolio well secured 7.8% 7.5% 7.5% 48% 66.9 62.8 62.1 2.2 8% 8% 9% 1.8 1.7 8.0 9.3 8.4 24% 25% 27% 29% 25% 23% 22% 56.7 51.7 52.0 13% 22% 23% 22% 10% 22%
Slide 93: ANZ Institutional portfolio
ANZ Institutional portfolio Size & tenor by market of EAD1 Industry composition, % of EAD1 Product composition, % of EAD1 Market of incorporation, % of EAD1 rsonal use only By market of incorporation, $b Mar 26 600 3% 13% 8% 1% 2% 2% 3% 5% 3% 2% 33% 2% 3% 3% 14% 7% 1% 38% 44% 50% 7% 8% 9% 25% 13% 31
Slide 94: Institutional Asia portfolio
Institutional Asia portfolio Asia portfolio composition, % of EAD1 Asia industry composition, % of EAD1 Asia product composition, % of EAD1 rsonal use only Asia China Asia Asia $128b 1% 4% 5% 8% 3% 2% 7% 1% 7% 1% 29% 16% 4% 5% 1% 22% 1% 12% 10% 69% 71% 12% 28% 51% Investment China grade 97% $14b Fin
Slide 95: Our Resources exposures
Our Resources exposures Resources Portfolio, EAD1 $b rsonal use only 17.0 16.2 0.5 1.2 15.3 0.8 14.6 0.7 0.9 0.4 0.2 1.1 0.7 1.2 0.5 0.9 1.0 1.7 1.2 1.0 11.1 10.6 5.4 0.2 10.4 0.5 0.5 0.1 0.1 4.0 0.6 0.3 4.4 4.9 0.6 0.8 1.3 1.5 1.4 4.5 4.4 4.6 7.8 7.4 8.2 7.0 4.0 3.6 3.2 Sep 16 Sep 18 Sep 20 Sep 22
Slide 96: Australia home loans – portfolio overview
Australia home loans – portfolio overview excluding Suncorp Bank rsonal use only Portfolio1 Flow Portfolio1 Sep 24 Sep 25 Sep 26 FY25 FY26 Sep 24 Sep 25 Sep 26 Home Loan accounts2 944k 936k 920k 179k3 171k Average LVR at Origination9,10 66% 65% 65% Total FUM $324b $341b $356b $89b $91b Average Dynam
Slide 97: Australia home loans – portfolio composition
Australia home loans – portfolio composition excluding Suncorp Bank Home loan balance composition1,2, $b Home loan balance & lending flow 1, $b rsonal use only 356 341 346 333 2 324 2 2 36 27 2 33 341 -2 -68 356 3 28 30 3 58 27 3 3 3 4 77 79 81 74 76 Sep 25 New Sales Net OFI Refi. Redraw & Repay Sep
Slide 98: Australia home loans – portfolio composition & flow
Australia home loans – portfolio composition & flow excluding Suncorp Bank By purpose, % of total balances By location, % of total balances rsonal use only Portfolio1,2 Portfolio1 1% 1% 1% 6% 7% 7% 31% 31% 33% 10% 10% 11% 16% 16% 17% 33% 32% 32% 68% 68% 66% 35% 35% 33% Sep 24 Sep 25 Sep 26 Sep 24 Se
Slide 99: Australia home loans – portfolio composition & flow
Australia home loans – portfolio composition & flow excluding Suncorp Bank LVR profile1, % of total balances By channel, % of total balances rsonal use only Dynamic LVR – Portfolio2,3 Portfolio2,5 16% 15% 16% 0% 0% 0% 41% 39% 37% 84% 85% 84% 59% 61% 63% Sep 24 Sep 25 Sep 26 Sep 24 Sep 25 Sep 26 >80%
Slide 100: Australia home loans – portfolio resilience
Australia home loans – portfolio resilience excluding Suncorp Bank Home Loans repayment profile1,2 Home Loans on time and <1 month ahead profile 2,3 rsonal use only % of accounts ahead of repayments % composition of accounts 40 38% 40% 43% 20 6% 13% 14% 15% 3% 2% 43% 43% 40% 0 Overdue On Time <1 mon
Slide 101: Australia home loans – portfolio performance
Australia home loans – portfolio performance excluding Suncorp Bank Home loans 90+ DPD ( by state) 1,2 Home loans delinquencies1,2,3 rsonal use only % of portfolio segment balances % of portfolio segment balances 1.3 2.5 1.2 2.0 1.5 1.1 1.0 1.0 0.5 0.9 0.0 Sep Mar Sep Mar Sep Mar Sep Mar Sep Mar Sep
Slide 102: Australia home loans - Lenders Mortgage Insurance
Australia home loans - Lenders Mortgage Insurance excluding Suncorp Bank September Full Year 2026 Results LMI & Reinsurance Structure rsonal use only Australian Home Loan portfolio LMI and Reinsurance structure at 30 Sep 26 (% New Gross Written Premium ($m) $64.6m Business FUM Oct 25 to Sep 26) Net
Slide 103: New Zealand home loans – portfolio overview
New Zealand home loans – portfolio overview Portfolio Flow Portfolio Flow rsonal use only Sep 24 Sep 25 Sep 26 FY25 FY26 Sep 24 Sep 25 Sep 26 FY25 FY26 Number of Home Loan Accounts 555k 572k 602k 62k 67k % Paying Interest Only 11% 10% 10% 18% 20% Total FUM (NZD) 111b 116b 121b 26b 29b % Paying Princ
Slide 104: Climate & Nature Strategy
2026 Full Year Results rsonal use only Climate & Nature Strategy 104
Slide 105: Our climate and nature strategy
Our climate and nature strategy rsonal use only Supporting customers’ transition needs and resilience Our vision is to finance Customer first a sustainable and orderly transition Improving consistency and efficiency through stronger climate and nature data, analytics and reporting. Simplicity Our Cl
Slide 106: Social and Environmental Sustainability Target
Social and Environmental Sustainability Target1 2 • Achieved our original $100 billion target four years ahead of its end of 2030 deadline • Extended our target to $200 billion by end-2030 to support customers’ transition needs and resilience • The increased target reflects the significant opportuni
Slide 107: Our Large Emitters Engagement Program (LEEP)
Our Large Emitters Engagement Program (LEEP) 1 LEEP links customer transition plan assessments with engagement, account planning and financing decisions. rsonal use only • It provides a structured approach to understanding LEEP 2026 Number of LEEP customers by sector customers’ transition strategies
Slide 108: Supporting our customers' transition and resilience
Supporting our customers’ transition and resilience1 Our sectoral pathways help inform portfolio management, customer engagement and risk management rsonal use only Key considerations Our sectoral emissions pathways2 2030 interim target Baseline Status • 10 pathways across 8 sectors (3 sub-sectors i
Slide 109: Important information – Climate-related information
Important information – Climate-related information This presentation includes climate-related statements, including about climate-related risks and opportunities, targets, goals and ambitions, scenarios, sectoral pathways, projections, financial position, performance and cash flows over the short,
Slide 110: Sources and notes for MFI, NPS and Institutional Relationship strength
Sources and notes for MFI, NPS and Institutional Relationship strength Page 44 1. Source: Roy Morgan Single Source, Aged 14+, 12 months to September 2026. ANZ includes ANZ Plus. MFI relationship is based on who consumers perceive to be their main bank. rsonal use only 2. Source: Consumer Atlas - RFI
Slide 111: Shareholder centre and investor relations contacts
Shareholder centre and investor relations contacts rsonal use only Group Investor Relations Retail investors Debt investors Kylie Bundrock Cameron Davis Pavita Sivakumar Michelle Weerakoon David Goode Liam Toohey Group General Manager Executive Manager Senior Manager Manager Head of Associate Direct