1H24 Financial Results

Overview - 1H24 result1 Key outcomes summary Financial Balance sheet, capital & funding Statutory NPAT ($m) 4,837 (7.7%) - Capital CET12,5 (Int'l) 19.0% +50bpts Cash NPAT ($m) ROE % (cash) 5,019 13.8% (3.1%) Capital - CET12,6 (APRA) 12.3% +20bpts (40bpts) Total assets ($bn) 1,276 +3.6% EPS cents (cash) DPS² ($) 300 (6c) Total liabilities ($bn) 1,203 +3.7% Cost-to-income (%) NIM (%) 2.15 44.0% 1.99% +5c Deposit funding 75% Flat +160bpts LT wholesale funding WAM7 5.2yrs +0.4yrs (11bpts) Liquidity coverage ratio 8 136% +500bpts Operating income ($m) 13,649 +0.2% Operating expenses ($m) 6,011 +4.1% Leverage ratio (APRA)² 5.0% (10bpts) Profit after capital charge (PACC)³ ($m) LIE to GLAA4 (bpts) 2,925 (5.2%) 9 (2bpts) Net stable funding ratio Credit ratings⁹ 121% (800bpts) AA-/Aa3/A+ Refer footnote 9 1. Presented on a continuing operations basis, all movements on the prior comparative period unless otherwise stated. Comparative information has been restated to conform to presentation in the current period. 2. Includes discontinued operations. 3. The Group uses PACC as a key measure of risk-adjusted profitability. It takes into account the profit achieved, the risk to capital that was taken to achieve it, and other adjustments. 4. Loan impairment expense as a percentage of average Gross Loans and Acceptances (GLAA) annualised. 5. International capital, refer to glossary for definition. 6. Movement based on the CET1 ratio under APRA's revised framework effective from 1 January 2023. 7. As at 31 December 2023, Weighted Average Maturity (WAM) includes TFF and RBNZ term lending facilities drawdowns. WAM excluding TFF and RBNZ term lending facilities drawdowns is 5.3 years (-0.5yrs from 31 December 2022). 8. Quarterly average. 9. S&P, Moody's and Fitch. S&P affirmed CBA's ratings and stable outlook on 9 February 2023. Moody's affirmed CBA's ratings and stable outlook on 29 March 2023. Fitch affirmed CBA's ratings and stable outlook on 21 March 2023. 63

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