1H24 Financial Results

Overview - 1H24 result Key financial outcomes Cash NPAT 1,2 ($m) NIM1 (%) Cost-to-income 1,2,3 Cash ROE1,2 (3%) (11bpts) 160bpts (40bpts) 3% (6bpts) 50bpts 10bpts 5,180 4,892 5,019 2.10 2.05 42.4% 43.5% 44.0% 1.99 14.2% 13.7% 13.8% 1H23 2H23 1H24 1H23 2H23 1H24 1H23 2H23 1H24 1H23 2H23 1H24 Cash EPS1 (cents) DPS (cents) CET1 (APRA)4 CET1 (International)5 (6c) +10c +5c (25c) 20bpts 10bpts 50bpts (10bpts) 12.3% 240 12.1% 12.2% 19.1% 19.0% 306 290 300 210 215 18.5% 1H23 2H23 1H24 1H23 2H23 1H24 1 Jan 23 Jun 23 Dec 23 Dec 22 Jun 23 Dec 23 1. Presented on a continuing operations basis. 2. Comparative information has been restated to conform to presentation in the current period. 3. On an underlying basis. 4. CET1 ratio under APRA's revised framework effective from 1 January 2023. 5. International capital, refer to glossary for definition. 64

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