1H24 Financial Results

Sustainable returns Balance sheet strength, supporting customers Deposits International banks pass-through¹ Home loans International banks pass-through² Capital International CET1 ratio4 Banks in: Banks in: Australia Canada Europe ☐ UK US Australia Canada Europe ☐ UK US3 Banks in: ☐ Australia Canada ☐ Europe ☐ UK US 75% 71% 60% 35% Total outstanding deposits New household term deposits² 98% 94% 85% 87% 79% 75% 16% New variable home loans 98% 33% 71% 116% 19% 15% 14% 14% 13% International CET1 ratio 1. Cumulative change in average outstanding deposit rate divided by the cumulative change in policy rates from the start of each country's post-pandemic hiking phased until end of August 2023 (Source: ECB for Europe, RBA for all other countries). 2. Cumulative change in average rates divided by the cumulative change in policy rates from September 2021 to November 2023 (Source: Central Banks). 3. 30-year fixed mortgages used as a proxy of new home loan rates. 4. Average of peer banks included for International CET1 ratios in the 'Capital overview' section of this presentation. 9

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