1H24 Financial Results

Sources and notes Slide 84 1. Comparative information has been restated to conform to presentation in the current period. 2. Camorra Retail Market Monitor NPS. Shown on a 12 month roll, peers include ANZ, BNZ, Kiwibank and Westpac. 3. Kantar Business Finance Monitor NPS. Includes All Businesses ($0-$150m) and Agri ($100k+). Shown on a 4 quarter roll. There is a trend break in results from September 2022 due to a change in methodology in the Business Finance Monitor that impacts the number of quarters in the roll from the break. 4. Based upon RBNZ lending by purpose and deposits by sector data. 5. Includes institutional deposits. 6. NIM is ASB Bank only and calculated in New Zealand dollars. 7. NPAT is NZ division and calculated in Australian dollars. Slide 112 1. Includes other short-term liabilities. 2. Represents the Weighted Average Maturity of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date. WAM and long-term % includes TFF and RBNZ term lending facilities drawdowns. 3. Maturities may vary quarter to quarter due to FX revaluation. 4. Includes Senior Bonds and Structured MTN. 5. Additional Tier 1 and Tier 2 Capital. 6. NSFR numerator (ASF) excludes the size of CBA's TFF drawdowns. Denominator (RSF) increases weighting for TFF collateral by 55%, such that it receives the 65% RSF weighting applicable to unencumbered residential mortgages. 7. Quarterly average. 8. Indicative weighted senior and covered bond funding costs (excluding Tier 2 costs), across major currencies. Updated and restated in FY23 for portfolio mix. Represents the spread over BBSW equivalent on a swapped basis. 9. Includes debt buy-backs and reported at historical FX rates. Slide 113 1. CBA data as at 31 December 2023. Peer data based on Regulatory Disclosures as at 30 September 2023. 2. Total retail transaction accounts, excluding offset accounts, includes Bankwest. 3. Transactions include non-interest bearing deposits and transaction offsets. Online includes NetBank Saver, Goal Saver, Business Online Saver, Bankwest Hero Saver, Smart eSaver, and Telenet Saver and Easy Saver. Savings and Investments includes savings offset accounts. Presented on a net basis after value attribution to other business units. Prior periods have been restated. 4. Includes at-call interest bearing deposits, term deposits and non-interest bearing deposits. Prior periods have been restated. 5. Includes non-interest bearing deposits and other customer funding. Images This presentation includes images in relation to Apple. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. 146

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