Investor Presentaiton

NET INTEREST MARGIN CONTINUING OPERATIONS GROUP NET INTEREST MARGIN (NIM) bps 163 FINANCIAL PERFORMANCE 165 3 4 161 -1 -3 0 -2 Deposit funding mix +1 Replicating portfolio volume +1 Home Loan SVR to Fixed -2 -2bps +2bps 1H21 Impact of rates net of repricing Liquidity Asset pricing Asset & funding mix Wholesale funding & deposit pricing 2H21 underlying1 Markets Balance Sheet activities² Large / 2H21 Notable items 1. Excluding Large / Notable items and Markets Balance Sheet activities 12 2. Includes the impact of discretionary liquid assets and other Balance Sheet activities ANZ 23

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