1H24 Financial Results

Home loans – capacity¹ - Higher interest rates continue to impact borrowing capacity Borrowing capacity reducing² Change in maximum borrowing capacity 2 - Indexed Dec 16 120.0% 100.0% 80.0% 60.0% 2016 Driven by increase in serviceability buffer and interest rates (Loans assessed based on the higher of the customer rate³ + buffer, or minimum floor rate) 11.55 11.80 10.55 8.30 3.00 3.00 7.55 3.00 7.05 7.05 3.00 5.40% 5.10% 2.50 5.25% 2.50 3.00 7.55 8.55 8.80 4.55 4.55 4.55 5.30 2017 2018 2019 2020 Joint Owner Occupier 2021 Single Investor 2022 2023 Dec 20 Jun 21 Joint Investor Dec 21 SVR (OO P&I)4 Jun 22 ☐ Buffer Dec 22 Jun 23 Minimum floor rate Dec 23 Single Owner Occupier Borrowing capacity5 % of applicants with additional capacity to borrow With average loan size 6 increasing Indexed 1.20 500 90% 92% 89% 89% 1.00 450 0.80 447 400 418 427 0.60 379 387 350 0.40 340 352 344 356 300 325 317 0.20 250 0.00 200 Dec 20 Dec 21 Dec 22 Dec 23 Dec 18 Jun 19 Dec 19 Jun 20 Dec 20 Jun 21 Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 Approval rate (Indexed to Dec 16) Average funding size ($000's, RHS) 1. CBA excluding Bankwest and Unloan, unless noted otherwise. 2. Scenarios based on differing assumptions with respect to family types, number of dependents, loan size, income sources and existing liabilities/commitments. 3. Customer rate includes any customer discounts that may apply. 4. SVR (OO P&I) reflects the advertised reference rate and does not include any customer pricing concessions. 5. Applications that have passed system serviceability test; borrowed with excess capacity reflects applicants above minimal net income surplus. 6. Based on fundings 6 months ending. Average funding size defined as funded amount/number of funded accounts. Includes Unloan. 98

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