1H24 Financial Results

• • • Economic outlook Downside risks remain, Australian economy resilient Solid fundamentals for the Australian economy - Low unemployment, low underemployment, high participation rates Strong non-mining investment Immigration providing a structural tailwind Inflation and economy moderating due to higher interest rates - - - Economic growth slowing, inflation falling Real household disposable incomes decreasing Many households finding it harder, impacts unevenly felt Downside risks remain for the economy - Households and businesses continuing to adjust to the economic conditions Unit labour costs rising, productivity is weak - Continued global uncertainty – Australia well positioned 39

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