1H24 Financial Results

Home loans - resilience¹ Portfolio DLVR strong and stable at 45% Negative equity² Proportion of balances in negative equity • 59% of customers ahead of repayments Dynamic LVR bands³ % of total portfolio balances . • 20% of home loans in negative equity have Lenders Mortgage Insurance 70% Negative Equity □ Negative Equity >$50k 60% 50% Average dynamic LVR4 Dec 22 Dec 22 44% Jun 23 Jun 23 45% ☐ Dec 23 Dec 23 45% -73% NSW & VIC 40% 30% 1.0% 1.1% 0.5% 0.7% 0.8% 20% 0.3% 10% 0% Dec 22 Jun 23 Dec 23 LVR ≤ 60% LVR 60%-70% LVR 70%-80% LVR LVR LVR 80%-90% 90%-95% 95%-100% LVR > 100% House price movements by state5 Dynamic LVR bands³ Dec 22 Jun 23 % of total portfolio accounts Dec 22 Jun 23 Dec 23 Dec 23 70% 5% 0% 6% 4% 2% 1% 6% 3% في العالمي ميرفي (5%) (8%) (7%) NSW VIC QLD 9% 60% 50% 4% 4% 40% 30% 20% 10% 0% LVR WA Australia ≤ 60% LVR 60%-70% LVR 70%-80% LVR 80%-90% 90%-95% LVR LVR 95%-100% LVR > 100% 1. CBA including Bankwest. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. 2. Negative equity arises when the outstanding loan (less offsets) exceeds house value. Based on outstanding balances, taking into account cross-collateralisation and offset balances. CBA updates house prices monthly using internal and external valuation data. 3. Taking into account cross-collateralisation. Offset balances not considered. 4. CBA including Bankwest, Line of Credit & Reverse Mortgages. Excludes Commonwealth Portfolio Loans and Residential Mortgage Group and Unloan. Average calculations based on collateral grouping. 5. Six month change sourced from CoreLogic Home Value Index released 1 January 2024. 96

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