Investor Presentaiton

Snapshot of merged operations CBA BankWest & St. Andrew's Australia Combined Branches 1,011 148 1 1,159 Loans and Advances ($bn) 365 2 55 3 420 Customer Deposits ($bn) 262 4 37 3 299 Funds Under Administration ($bn) 185 21 187 Market Share - Total Lending Market Share - Home Loans 5 5 21% 4% 25% 20% 3% 23% Market Share - Deposits 5 30% 4% 34% Customers 10 million 0.9 million 6 10.9 million Staff (FTE) 39,600 5,000 7 44,600 1. Source: BankWest website, HBOS plc 30 June 2008 interim report, and HBOS Australia 31 December 2007 annual report. 2. Gross loans, advances and other receivables, as at 30 June 2008. 3. Lending and Deposits attributable to Retail and Commercial Business segments of HBOS' International - Australia division. Data as at 30 June 2008. 4. Comprises: Certificates of Deposit, Term Deposits, On Demand and Short Term Deposits, and Deposits not Bearing Interest. Data as at 30 June 2008. 5. Source: APRA (July 2008). 6. BankWest customers only. Source: BankWest website. 7. This includes people from BankWest Retail, BankWest Business, St Andrew's and those group functions which support these businesses 10 Determined to be different

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