1H24 Financial Results

Retail Banking Services (RBS)¹ Consistent and disciplined execution Net Promoter Score² Dec 23 #1 MFI share² 34.7% 35.0% Dec 22 Dec 23 Volume growth³ 12 months to Dec 23 System CBA 35.0% 7.4% 6.1% 4.4 4.2% 16.5% 12.0% 11.9% 2.0% 1.7 0.2 CBA Peer 3 Peer 2 Peer 1 Home loans4 Household deposits5 (1.5) Peer 3 Peer 1 Peer 2 CBA Margin Lower margins due to increased competition and unfavourable deposit mix as customers switch to higher yielding savings and term deposits Cost-to-income Financials Increase driven by lower operating income due to lower margins and higher operating expenses % Group NPAT $m 1H24 vs 1H23 Income 6,465 (4%) 54% Expense Impairment NPAT (2,401) +3% (216) (10%) 2,687 (8%) 279 262 254 34.6% 35.5% 37.1% bpts 1H23 2H23 1H24 1H23 2H23 1H24 1, 2, 3, 4, 5. Refer to sources, glossary and notes at the back of this presentation for further details. Income - Lower lending and deposit margins Expense - Inflation, higher staff costs, amortisation and IT spend, scam management resources, fraud and operational losses, partly offset by productivity initiatives Impairment - Lower collective provisions reflecting higher house prices, partly offset by ongoing cost of living pressures and rising interest rates 81

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