1H24 Financial Results

Australian retail banking Disciplined execution RBS Cash NPAT1 Leading deposit franchise Household deposits to home loans² Dec 23 (8%) +1% CBA share of Retail NII³ Four largest Australian banks 71% 2.9 2.7 2.7 65% 63% 59% 34% $bn 1H23 2H23 1H24 CBA Peer 3 Peer 2 Peer 1 +4% 38% Sep 21 Sep 23 1. Comparative information has been restated to conform to presentation in the current period. Presented on a continuing operations basis. Includes Bankwest Retail, excludes General Insurance. 2. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS). 3. Share of annual net interest income from the four largest Australian banks. Net interest income for peers as externally reported. 18

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