Investor Presentaiton

INSTITUTIONAL NIM & RISK ADJUSTED RETURNS: CONTINUING OPERATIONS EXCLUDING LARGE / NOTABLE ITEMS NIM EX MARKETS (NII/AIEA) RISK ADJUSTED NIM EX MARKETS³ bps 185 2 +1bp 3 0 -2 186 -2 bps 247 225 230 222 207 197 203 190 1H21 Funding Mix Interest Deposit Rate impact Margins Asset Margin Earnings on capital 2H21 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 + Sub Institutional Aus & PNG debt & FX NIM bps 140 141 123 127 67 40 46 111 41 39 267 239 232 224 151 149 147 136 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 1H20 2H20 1H21 2H21 Lending NIM¹ Deposit NIM² NZ International 1. Lending NIM represents Corporate Finance and Trade & Supply Chain 2. Deposit NIM represents Payments & Cash Management (PCM) 3. Institutional ex-Markets Net Interest Income divided by average Credit Risk Weighted Assets ANZ 74

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