1H24 Financial Results

Business Banking (BB) 1 Continued investment in franchise build, leveraging digital assets for strong volume growth Transaction account growth ~59k increase in total accounts Performance Business lending Gap to Dec 23 Rank Actual nearest peer Spot balances ($bn) in 1H24, 38% via digital? Business NPS² #1 3.1 +8.0 +11% Business digital NPS2 #1 12.4 +3.7 +10% ~1.2m accounts MFI share² #1 26.3% +7.4 ppts 135 130 1.20 Business lending share³ #2 18.2% (3.6%) 122 1.14 1.09 BB major bank segment share4 #2 31.5% (1.9%) Diversified +12% Comm. prop +8% m Business deposits share5 #1 22.8% +2.1% Dec 22 Jun 23 Dec 23 Dec 22 Jun 23 Dec 23 Merchant acquiring share2,6 #1 19.3% N/A Margin Lower lending margins reflecting increased competition and unfavourable deposit mix as customers switch to higher yielding deposits, partly offset by higher deposit margins 355 352 Cost-to-income Financials Decrease vs 1H23 driven by higher operating income % Group NPAT 38% $m Income Expense Impairment NPAT 1H24 vs 1H23 4,267 +4% (1,354) +3% (207) (20%) 1,893 +6% 344 31.9% 31.1% 31.7% bpts 1H23 2H23 1H24 1H23 2H23 1H24 1, 2, 3, 4, 5, 6, 7. Refer to sources, glossary and notes at the back of this presentation for further details. Income - Volume growth, partly offset by lower margins Expense - Inflation, increased IT and remediation costs Impairment Decrease driven by lower individually assessed provisions - 82 32

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