1H24 Financial Results

Financials1 Revenue flat, higher expenses, lower loan impairment expense Operating income Operating expenses Disciplined approach to volume/margin Inflation and higher amortisation Pre-provision profit Flat revenue and higher operating expenses Flat 13,623 13,512 13,649 +4% (3%) Cash NPAT Lower loan impairment expense (3%) 7,850 6,085 6,011 7,427 7,638 5,773 5,180 4,892 5,019 $m $m $m $m 1H23 2H23 1H24 1H23 2H23 1H24 1H23 2H23 1H24 1H23 2H23 1H24 1. Presented on a continuing operations basis. Comparative information has been restated to conform to presentation in the current period. 12

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