Investor Presentaiton

ANZ 2023 Half Year Results THE RECENT TRAJECTORY ON NIM IS NOT UNIFORM ACROSS THE GROUP Quarterly Net Interest Margin trends - Group ex Markets and Treasury Diversified portfolio of businesses and access to opportunities in overseas markets offers a degree of relative margin stability outside of Australia Regional View, bps Avg 1H23 AIEA1, $b NZ $136b Aus $401b Rest of world $67b 3Q22 4Q22 1Q23 2Q23 3Q22 Rest of world Australia New Zealand Divisional View, bps 4Q22 1Q23 2Q23 Aus Retail Institutional ex-Markets Aus Comm. NZ Division Avg 1H23 AIEA1, $b Aus Comm. 2 $61b NZ Division $119b Institutional ex- Markets $169b Aus Retail $254b 1. AIEA: Average interest earning assets 2. Australia Commercial division generates positive net interest income from surplus deposits held. Accordingly, $59.5b of average deposits for the March 2023 quarter (Dec 22 quarter: $59.1b; Sep 22 quarter: $61.3b; Jun 22 quarter: $64.3b) have been included within average net interest earning assets for the net interest margin calculation to align with internal management reporting view. AIEA of $61b presented above represents lending assets only 66 99

View entire presentation