1H24 Financial Results

Home loans - resilience1 - Portfolio remains resilient – modest uptick in arrears, remain low Customers in advance² % of customers Average payments in advance2,3 Dynamic LVR4 Portfolio averages # of payments 78% 78% 78% 79% 38 32 29 29 30 46% 44% 45% 45% Dec 21 Dec 22 Jun 23 Dec 23 Dec 21 Dec 22 Jun 23 Dec 23 Dec 21 Dec 22 Jun 23 Dec 23 Offset and redraw balances $bn Home loan arrears6 90+ days, % 0.87% 30+ days, % 0.79% 0.92% 1.09% Dec 21 Dec 22 Jun 23 Dec 23 $120bn $127bn $126bn $133bn Redraw5 54 57 58 0.52% 0.52% 57 0.47% 0.43% Offset 66 70 69 75 Dec 21 Dec 22 Jun 23 Dec 23 Dec 21 Dec 22 Jun 23 Dec 23 Mortgagee in possession (%) % of accounts 0.02% 0.02% 0.02% 0.02% Dec 21 Dec 22 Jun 23 Dec 23 1. CBA including Bankwest. Excludes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loans, and Residential Mortgage Group and Unloan, unless otherwise stated. 2. Any amount ahead of monthly minimum repayment; includes offset balances. 3. Average number of monthly payments ahead of scheduled repayments. 4. Taking into account cross-collateralisation. Offset balances not considered. 5. Redraw balances represent the value of all payments in advance (payments ahead of scheduled repayments), excluding offset facilities. 6. Group including New Zealand. 97

View entire presentation