1H24 Financial Results

Group margin Increased deposit price competition bpts 205 Deposit price competition (3) Deposit switching Wholesale funding costs 3333 (7) Replicating portfolio 2 (1) Lower consumer finance and home lending margins Capital hedge 2 New Zealand (1) (2) 3 (6bpts) 199 2H23 Funding costs Asset pricing Other incl. replicating portfolio, capital and NZ 1H24 29

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