1H24 Financial Results

Global best digital experiences Faster digital processing Property transactions settled digitally1 New credit card accounts via digital² Consumer ~95% Loan documents executed digitally5 Business > 95% 91% Small business loans via BizExpress6 65% Digital documents and signing³ Proprietary applications auto-decisioned4 ~90% Digital sales? 43% ~70% Straight through digital on-boarding³ -40% 1. Home loans settled digitally via PEXA in 1H24. 2. RBS only, excludes Bankwest and StepPay. Metric relates to the 1H24 proportion of new credit card accounts originated through the bank's digital channels. 3. Home loan digital document and signing utilisation for eligible customers in 1H24. 4. Proprietary home loan applications auto approved using an automated credit rules engine in 1H24. 5. Average percentage of loans processed through DocuSign from July to December 2023. 6. Average percentage of loans (Better Business Loan, Business Overdrafts) funded through BizExpress, for Small Business Banking customers from July to December 2023. 7. Average percentage of business deposits, business lending and merchants opened through digital channels from July to December 2023. 8. Average percentage of new to bank customers onboarded for deposit applications, completed via straight through processing with no manual intervention from July to December 2023. 58

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