1H24 Financial Results

Impact of higher rates Higher rates flowing through the economy Change 1H24 vs 1H23 1.4x 1.5x 2.6x Change 1H24 vs 1H23 1.9x Flat +4% +14% (19%) (3%) Change in average customer rates 1.55% 1.76% 4.8 Home loans Deposits 3 0.4 4.1 0.0 0.2 $bn $bn 3.0 6.9 Mortgage customers Other borrowers1 Depositors Wholesale funding providers² Customer interest received Interest paid (0.1) (0.2) Operating income Operating Government expenses4 payments5 LIE Shareholder profit 1. Includes consumer finance, business and corporate lending and other activities with other Financial institutions and Government agencies. 2. Includes loan capital. 3. Excludes the impact of hedge accounting. 4. Includes underlying costs incurred and payments made to our employees, suppliers and partners. 5. Includes payment of corporate tax, employee related taxes and Major Bank Levy. 8

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