1H24 Financial Results

Global best digital experiences Building on a history of innovation Strong foundations Establishing leadership Reimagining banking NetBank Q Full functionality 24-hour online banking service CommSee Proprietary customer relationship system 1997 - 2009 24/7 Core banking Real-time banking and settlement CommBank app #1 mobile banking app (Net Promoter Score) Customer Engagement Engine Learns from customer interactions to drive relevant personalised banking services 6 26 1 CommSec Pocket Make investing affordable and approachable for more Australians 2010-2019 x15 CommBank app 4.0 Simple, smart and secure Launch of x15ventures Building a pipeline of new digital businesses Market first offerings First major bank to offer: Open Banking • data sharing • Carbon tracking PayTo Partnering with industry leaders Providing more value in banking and beyond 2020 & beyond CommBank app 5.0 Making Australia's most popular banking app1 even better CommBank Yello One of Australia's largest customer recognition programs 1. Based on most active app users. Examples unloan BUILT BY I Home-in doshii creditsavvy Kit Examples more Klarna. CommBank iQ H2O.ai Powered by → quantium Xpansiv a amber cogo 54

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