1H24 Financial Results

CBA profitability Larger, safer, lower profitability Loans to customers Government bonds and other liquid assets² Customer deposits Wholesale funding Shareholders' equity Size Dec 231 Assets Capital (CET1) Change over time Dec 23 vs Dec 13 Customer deposits Loans to +57% customers Liabilities and equity Shareholders' +55% equity Liquid assets +37% Shareholder profit (Cash NPAT)³ +18% + Banks in: Comparables Return on equity4 ☐ Australia Canada +101% Europe ☐ UK US 17% 13% 14% 111% 11% 11% 11% +93% 8% 3% -1% 2013 Current5 Return on equity ASX200 Australian banks 14% 9% 12% 11% Shareholder profit 2013 Current 1. Represents select component parts of CBA's balance sheet as at December 2023, for illustrative purposes only. Shareholder profit for the six months to December 2023. 2. Represents High Quality Liquid Assets. 3. Represents 1H24 vs 1H14. 4. Australia: Based on data published in APRA's quarterly ADI performance statistics as at September 2023; Europe: ROE for the eight largest countries by credit volume, sourced from European Central Bank; US: 2013 based on the ROE for the top six banks, current includes data for other financial institutions sourced from the Federal Financial Institutions Examination Council; UK: ROE for the top four commercial banks; Canada: ROE for the top five banks. 5. Represents data for calendar year-to-date up to September 2023 except Canada, which is for the financial year ended 31 October 2023. 6. ASX200 ROE return on equity represents 2023 calendar year. Source: Bloomberg. 10

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