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NET INTEREST MARGIN DRIVERS FINANCIAL PERFORMANCE VARIABLE RATE TO FIXED SHIFT $38b AVERAGE CHANGE IN AUS & NZ HL MIX IN 2H21 (FIXED UP $22b, SVR DOWN $16b) INCREASED SYSTEM LIQUIDITY -4bps IMPACT TO GROUP NIM IN 2H21 FROM INCREASED DEPOSITS AND CLF REDUCTION COMPETITIVE PRICING ~30% OF THE HOUSING PORTFOLIO HAD A PRICING EVENT IN 2H21 CUSTOMER FUNDING MIX DEPOSIT RATE MANAGEMENT TERM WHOLESALE FUNDING $40b AVERAGE CHANGE IN TD VS AT-CALL MIX IN 2H21 (TD'S DOWN $12b, AT-CALL UP $28b) +3bps IN 2H21 FROM DEPOSIT RATE MANAGEMENT ~65% REDUCTION IN WHOLESALE ISSUANCE 2H21 (EX TFF) RELATIVE TO FY16-FY19 HY AVG ANZ 24

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