ANZ GROUP HOLDINGS LIMITED DISCLOSURECurrent Reports (8-K / ad hoc)

2026 Third Quarter Trading Update

News Release ANZ Group Holdings Limited · 9/833 Collins Street Docklands Victoria 3008 Australia · ABN 16 659 510 791 For Release: 13 August 2026 2026 Third Quarter Trading Update ANZ today announced1 an unaudited Statutory Profit for the quarter ended 30 June 2026 (3Q26) of $1.95 billion and a Cash Profit of $1.90 billion. Cash Profit was up 1%2 on the quarterly average of the half year ended 31 March 2026 (1H26 qtr avg). Cash Return on Tangible Equity (RoTE) was broadly flat. Cash Profit and RoTE were impacted by a NZD125 million expense provision (pre-tax) in 3Q26 following the 5 May 2026 New Zealand class action ruling. ANZ has appealed the decision.2 ANZ’s Common Equity Tier 1 (CET1) Ratio at 30 June 2026 was 12.51%, up 12 bps from 31 March 2026. Overview of financial performance Cash Profit2 results Cash Profit (3Q26 vs 1H26 qtr avg) Cash Profit (3Q26 vs 3Q25) 1H26 qtr avg 3Q26 Movement Constant currency basis Movement Constant currency basis Operating income $m 5,602 5,607 0% +1% -1% +2% Operating expenses $m (2,767) (2,785) +1% +2% -4% 0% Profit before provisions $m 2,835 2,822 0% 0% +3% +4% Provision charge $m (137) (102) -26% +6% Income tax expense3 $m (808) (819) +1% +4% Cash profit $m 1,890 1,901 +1% +1% +2% +3% Cost-to-income ratio 49.39% 49.66% +27bps -155bps Return on tangible equity 11.56% 11.54% -2bps +38bps Return on equity 10.64% 10.65% +1bp +39bps Balance Sheet metrics Mar 26 Jun 26 Jun 26 vs Mar 26 Jun 26 vs Jun 25 APRA Level 2 CET1 ratio 12.39% 12.51% +12bps +57bps Constant currency basis Constant currency basis Customer deposits $b 771 786 +2% +2% +1% +4% Net loans and advances $b 822 846 +3% +3% 0% +3% 1 Unless otherwise stated (i) 3Q26 financial results are presented on a cash profit basis, and (ii) quarterly performance is compared with 1H26 quarterly average. 2 3Q26 cash profit was impacted by a NZD125 million pre-tax expense provision in the quarter relating to the New Zealand class action. Using the 30 June 2026 exchange rate, this equates to AUD103 million pre-tax (AUD74 million post-tax). Excluding this provision, 3Q26 vs 1H26 quarterly average cash profit increased by 5% to $1.98 billion and operating expenses reduced by 3%. The provision followed