1H24 Financial Results

Retail trade Household spending moderating 14.7 16.1 15.4 • • • • Growth in Retail Trade was predominantly within non-discretionary sectors with caution exercised due to emerging cost of living challenges. • The CommBank Household Spending Insights (HSI) Index declined by 3.9% in the month of December 2023. There were falls in 8 of the 12 HSI categories, with the largest falls in Household Goods (-16.0%/mth) and Recreation (-6.5%/mth). Annual Household Spending growth has reduced from the peak of 18.1% in August 2022 to 3.1% in December 2023 (in nominal dollars). Labour availability pressures have eased, influenced by migration into Australia. TCE ($bn) 1.1 1.1 1.1 Group exposure 32.0 29.6 23.7 Dec 22 Jun 23 Dec 23 2.7 1.8 1.9 1.1 1.2 1.2 % of Group TCE % of portfolio investment grade % of portfolio % of provisions graded TIA to TCE Sector Personal Retailing 18% Food Retailing 34% Profile Geography Other Aus & NZ Overseas 15% NSW 30% Security Unsecured 26% Fully එහිදී WA 13% Motor Vehicle Retailing & QLD Services 24% Household Good Retailing 10% VIC SA Partially Secured 21% 8% 30% 24% Secured 44% 108

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