1H24 Financial Results

Global best digital experiences Global CommBank app 5.0 - a simpler, more personalised experience with seamless business integration Business profile switching Separate business and personal accounts and toggle seamlessly between profiles Quick links Personalised navigation tiles based on customer's in-app behaviour (e.g. frequently visited) New investing functionality Native in-app investing experience allowing customers to buy, sell and hold Australian shares and ETFs 8 Personal v Hi Sam هههه 8 Business v Search "Statements" Village Produce Investing Rewards Home hub Money Search transactions, help & more 00 00 Smart Access Business $2, Balanc cash flow Benefits finder Business insights Products & View all services Goal Saver Business Trans Acct $1 NetBank Saver $2 Get more from CommBank Business Online Saver Business Visa Automatic login Faster experience by securely logging in as soon as the app opens Move your Enhanced search App-wide search for features, products, transactions and more, including real time suggestions App library Simplified catalogue of app features, products and services $20,154.23 Account Balance: $20,154.23 $12,009.12 -$3,211.84 Expanded simple balance Ability to see current balance of up to three accounts on homepage Get more from CommBank 10 Home Accounts Pay Car Smart = ($+ ☆ Home Accounts Pay Cards For you Get more from CommBank Surfaces personalised discovery content including tips and promotion of features, tools and products > 8 million active app users¹ ~4 billion app logins per year² +28% daily app logins³ ~3 million using money mgt tools4 29% of CommSec accounts opened via app5 1. The total number of customers that have logged into the CommBank app at least once in the month of December 2023. 2. Logins into the CommBank app for the 12 months ended December 2023. 3. Uplift in the number of daily logins for the month of December year on year. 4. Average monthly unique customers who engaged with one of our money management features in the CommBank app between July 2023 to December 2023. Money management features include Money Plan, Spend Tracker, Bill Sense, Category Budgets, Cash Flow View, Goal Tracker, Credit Score, Carbon Tracker, CommSec Pocket and Smart Savings. 5. Percentage of CommSec accounts opened in CommBank app as a proportion of total CommSec accounts opened (including accounts opened via the CommSec website or paper application), based on the month of December 2023. 55

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