Investor Presentaiton

NIM (Reported) | NIM expansion at the back of OPR rise Net Interest Margin (NIM) Movement (QoQ) bps 212 5.6 206 0.4 Divisions Funding + Deposits 8.1 0.1 0.9 5.5 0.3 2.3 YoY NIM H1FY23: Reported: 2.17% ( 12bps) Underlying: 2.12% (▲ 16bps) H1FY22: Reported: 2.05% Underlying: 1.96% Reported: Underlying: 2bps 4.1 14.8 Q1FY23 Reported Net modification Q1FY23 Underlying Retail Banking Wholesale Investment Banking Banking Business Banking General Insurance Asset mix impact Interbank / Group Funding Deposits Positive growth in Q2FY23 NIM Trend Gross Yield Contraction in Q2FY23 COF ⚫NIM 212 208 Net Q2FY23 Q2FY23 Underlying modification Reported impact 4.07% 4.01% 3.95% 3.77% 3.84% 3.73% 3.72% 3.68% 3.73% 3.65% 3.80% 2.62% 2.15% 2.03% 2.07% 2.08% 2.03% 2.09% 2.00% 2.12% 2.15% 2.14% 1.92% 1.96% 1.86% 1.84% 1.84% 2.12% 1.59% 1.82% 1.84% 2.08% 1.86% Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q2FY23 excluding AmBank Group H1FY23 Results - Investor Presentation net mod impact 16

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