1H24 Financial Results

Deposit funding Highest share of stable customer deposits in Australia Customer deposits vs peers¹ ($bn) % of total funding 68% Customer deposits by segment4 ($bn) 75% 68% 71% 66% 800 819 825 825 ASB & Other 76 80 10% CAGR 182 659 641 IB&M 155 164 153 19% 570 2% 587 Other deposits 82 22% 239 159 167 163 BB 213 215 216 26% 10% 73 Operational deposits¹ 93 82 561 Retail/SME deposits¹ 370 327 409 342 RBS 356 363 376 45% FY17-19 avg. Dec 23 Peer 1 Peer 3 Peer 2 Dec 22 Jun 23 Dec 23 Retail transaction accounts² (#, '000) Retail deposit mix3 ($bn) Customer deposits by product4 ($bn) +6% 356 363 376 800 819 825 10,949 Online Savings 109 121 130 Investments 207 225 244 30% 10,677 10,288 Savings 267 277 Savings & 284 34% 134 135 138 Investments Transactions5 326 317 Transactions 113 107 108 297 36% Dec 22 Jun 23 Dec 23 Dec 22 Jun 23 Dec 23 Dec 22 Jun 23 Dec 23 1, 2, 3, 4, 5. Refer to sources, glossary and notes at the back of this presentation for further details. 113

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