1H24 Financial Results

| Home loans Home loans - growth Consistent and disciplined execution in a highly competitive market Consistent market share performance¹ 24% 23% 21% 15% 14% CBA Group CBA (ex Bankwest) Dec 18 Peer 1 Peer 2 Peer 3 Disciplined approach to balance growth² New fundings³ 94 $bn 65 76 76 77 72 67 1H212H21 1H222H22 1H23 2H23 1H24 Internal Refinance 67 7 60 (7) (16) (46) 25% 584 582 $bn Jun 23 New Fundings Internal Refinance Repayments Property Sales / External Refinance / Other Dec 23 21% 21% Fundings weighted towards proprietary distribution, reduction in owner occupied and fixed rate lending Fundings mix³ 14% 13% IHL 28% 32% 37% Fundings mix4 Broker 42% 39% 33% Fundings mix³ Fixed OO 72% 68% 63% Variable 93% 95% 97% Prop. 58% 61% 67% Dec 23 1H23 2H23 1H24 1H23 2H23 1H24 1H23 2H23 1H24 1. CBA source: RBA Lending and Credit Aggregates, Peer source: Peer APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS) balance divided by RBA Lending and Credit Aggregates system balance. Series break due to new regulatory definitions set by APRA from 1 July 2019. As a result of this change, market share is not comparable to previous reporting periods. Additional series break from June 21 relating to restatements. 2. CBA including Bankwest. 3. Includes internal refinancing, Unloan, Residential Mortgage Group and Bankwest and excludes Viridian Line of Credit (VLOC). 4. Excludes Bankwest and Residential Mortgage Group. 88

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