1H24 Financial Results

Sources and notes Slide 67 1. Percentage growth calculations are based on actual numbers prior to rounding to the nearest billion on a non-annualised basis. 2. Source: RBA Lending and Credit Aggregates. 3. Business including select financial businesses. CBA excludes Cash Management Pooling Facilities. 4. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS). 5. Source: APRA NFB Deposits, including IB&M. 6. Totals calculated using unrounded numbers. Slide 68 1. Comparatives have been updated to reflect market restatements. 2. CBA source: RBA Lending and Credit Aggregates. Home lending peer source: Peer APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS) balance divided by RBA Lending and Credit Aggregates system balance. 3. System source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS). 4. Other household lending market share includes personal loans, margin loans and other forms of lending to individuals. 5. Business including select financial businesses. 6. Represents business lending to and business deposits by non-financial businesses under APRA definitions. 7. Represents CommSec traded value as a percentage of total Australian equities markets, on a 12 month rolling average basis. 8. System source: Based upon RBNZ lending by purpose and deposits by sector data. 9. 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. Slide 81 1. Comparative information has been restated to conform to presentation in the current period. Includes Bankwest, excludes General Insurance. 2. Refer to the glossary for source information. 3. Percentage growth calculations are based on actual numbers prior to rounding to the nearest billion. 4. Source: RBA Lending and Credit Aggregates. 5. Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS). Slide 82 1. Comparative information has been restated to conform to presentation in the current period. 2. Refer to the glossary for source information. 3. Non-Financial Business Lending Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS). 4. Represents internal view of lending market share. 5. Non-Financial Business Deposit Source: APRA Monthly Authorised Deposit-taking Institution Statistics (MADIS). 6. Merchants acquiring share shows 6 month moving average of market turnover (November 2023). RBA revised definition December 2022. Source: RBA. 7. 38% of new transaction accounts in 1H24 opened digitally. Slide 83 1. Comparative information has been restated to conform to presentation in the current period. 2. Refer to the glossary for source information. 3. IB&M NIM including Markets is 1H23: 87bpts, 2H23: 91bpts and 1H24: 82bpts. 145

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