1H24 Financial Results

Consumer arrears¹ Arrears increasing modestly from historic lows. 6.0% 4.0% 2.0% Credit cards Group 30+ days Personal loans Group 30+ days 6.0% 4.0% 2.0% 0.0% 0.0% Dec 19 Dec 20 Dec 21 Dec 22 Dec 23 Dec 19 Dec 20 Credit cards 1.5% Group 90+ days 1.0% 0.5% 0.0% Dec 19 Dec 20 Dec 21 Dec 22 Dec 23 1. ASB write-off credit card and personal loans typically around 110 days past due if no agreed repayment plan. Dec 21 Personal loans Group 90+ days ASB CBA Group Bankwest Dec 22 Dec 23 2.0% 1.5% 1.0% 0.5% 0.0% Dec 19 Dec 20 Dec 21 Dec 22 Dec 23 102

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