Investor Presentaiton

1H16 Financial Results Snapshot - 1H16 Results 1 Financial Operating performance³ Cash NPAT ($m) 4,804 4% Group ($m) 7,146 6% ROE (Cash) 17.2% (140) bpts Retail Banking Services ($m) 3,466 8% Cash EPS ($) 2.84 1% Business and Private Banking ($m) 1,219 5% DPS ($) 1.98 Institutional Banking & Markets ($m) 904 (5%) Cost-to-Income (Cash) NIM (%)² NIM (%) ex Treasury & Markets² Balance sheet Total Assets ($bn) Total Liabilities ($bn) 42.2% Wealth Management ($m) 462 13% 2.06 NZ ($m) 741 7% 2.04 Bankwest ($m) 550 1% Capital & funding 903 6% CET1 (APRA) 10.2% 100 bpts CET1 (International)4 14.3% N/A 843 5% LT Wholesale Funding WAM (yrs) 3.9 FUA ($bn, average) RWA ($bn) Provision to Credit RWAs (%) 143 7% Deposit Funding (%) 64% 1% 393 11% Liquidity Coverage Ratio (%) 123% Large 1.11% (14) bpts Leverage Ratio (APRA) % 5.0% N/A5 1 All movements on prior comparative period unless stated otherwise 2 Movement on prior half 15 3 Operating performance is Total Operating Income less Operating Expense 4 Analysis aligns with the APRA study entitled "International capital comparison study" (13 July 2015) 5 The Group commenced disclosure of its leverage at 30 September 2015, thus no comparatives have been presented Commonwealth Bank of Australia / PERLS VIII Investor Presentation CAN

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