Q1FY23 Results

NIM | NIM expansion at the back of OPR rise Net Interest Margin (NIM) Movement (QoQ) bps 200 6.1 194 Divisions 3.0 4.1 0.2 0.4 2.1 0.9 Funding + Deposits 1.4 YoY NIM Q1FY23: Reported: 2.12% (4bps) Underlying: 2.06% (▲ 7bps) Q1FY22: Reported: 2.08% Underlying: 1.99% 9.6 Underlying: 12bps 5.6 Reported: 12bps 206 212 Q4FY22 Reported Net Q4FY22 modification Underlying impact Retail Banking Wholesale Investment Banking Banking Business Banking General Insurance Asset mix Interbank / Group Funding Deposits Q1FY23 Underlying Net Q1FY23 modification Reported impact Positive growth in Q1FY23 Contraction in Q1FY23 NIM Trend Gross Yield COF NIM 3.95% 3.77% 3.84% 3.73% 3.72% 3.68% 3.73% 3.80% 3.65% 3.72% 2.62% 2.15% 2.07% 2.08% 2.03% 2.03% 2.09% 2.00% 2.12% 2.06% 1.92% 1.96% 1.86% 1.84% 1.84% 1.59% 1.82% 1.84% 1.86% 1.85% Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q1FY23 excluding AmBank Group Q1FY23 Results - Investor Presentation net mod impact 16

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