ANZ 2023 Half Year Results

ANZ 2023 Half Year Results REPORTED GROUP NET INTEREST MARGIN TREND¹ Group NIM, bps 240 220 200 180 160 140 120 100 86 80 60 40 20 20 0 Outlook considerations • • Tailwinds Higher capital & replicated deposit earnings Potential for further rate tightening across geographies Headwinds Lending & deposit competition • Deposit mix changes • 1H122H121H132H13 1H142H141H15 2H15 1H162H161H172H171H182H18 1H192H19 1H202H20 1H21 2H21 1H22 2H22 1H23 Flat or declining AUD Official Cash Rate throughout this time period Basis: Cash Profit continuing operations 1. Group Net Interest Margin for each Half Year as reported in the original Results Announcement for each financial period Higher wholesale funding costs 65

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