1H24 Financial Results

% Supporting our customers Customers are feeling the impact of the economic environment Annual change in real household disposable income¹ 100 Jun 22 8 (6) (3) (2) 0 96 Wages earned and other income Prices Taxes 2 Household net deposit vs borrowing mortgage³ Rates: Jun 23 Net interest paid by households Supporting our customers • Contacted customers rolling off fixed rates; arrears below portfolio • Engaging 3m4 customers monthly via money management tools • Option to suspend mortgage repayments5 • • Benefits finder to open to all Australians, ~$1.2bn identified to date 2m7 cashbacks to customers through CommBank Yello • Expanded and easier to access hardship support • Interest only, payment arrangements and other options • Supporting >7,000 home loan customers in hardship • Prevented and recovered >$100m³ in customer scams in 1H24 1. Source: CBA, RBA and ABS. Rounded to the nearest percentage point. 2. Represents the impact of household leverage. 3. Represents the impact of the change in average rate paid by households on loans versus received on deposits. 4. Average monthly unique customers who engaged with one of our money management features in the CommBank app between July to December 2023. Money management features include Money Plan, Spend Tracker, Bill Sense, Category Budgets, Cash Flow View, Goal Tracker, Credit Score, Carbon Tracker, CommSec Pocket and Smart Savings. 5. Option to suspend mortgage repayments (known as a repayment holiday) is available to eligible customers who are ahead of their scheduled monthly repayments. A repayment holiday reflects a break from home loan direct debit request repayments for a set period of between three to twelve months for eligible CommBank home loans and allows customers to use the additional available repayments made to put future repayments on hold during this period. 6. Estimated value of retail and business benefits connected to customers since inception (2019). 7. Since launch in November 2023. 8. From July to December 2023. 7

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