1H24 Financial Results

| Home loans Home loans - experience1 Enhancing customer experience through simple, scalable and digitised processes Application experience – simple online applications with fast initial approval Pre-populated inputs - to make it easy for customers and lenders to progress at first attempt × Home hub Simple and seamless application experience - Status tracking digital application status tracking through CBA Home Hub and CommBroker Search & apply My p < My property • Largest national lending network - supporting customers (simple to complex) over the phone and in person Application status • • Digital ID verification – safely identifying customers digitally with ability to use multiple forms of ID Income verification – using Al tools to verify customer income more quickly Conditionally eligible Conditionally pre-approved Conditionally approved Fast verification and credit assessment • Automated title and valuations - digitally order and verify title and property valuation information Automatic first credit decision (auto-decisioning) – simplified process to increase speed to decision Digital loan documents - digital documents including ability to support digital signatures • Digital settlement and self-serve tools Fast settlements - digital and on-time settlements • In-life activities - greater ability to self-serve digitally (including Home Hub), phone or in branch support Fast mortgage release – streamlined discharge process to ensure release as scheduled Financial tools Repayment calculator Estimate your repayments. based on your loan settings Home loan breakdown 2 accounts. Variable Rate loan 6.02% p.a. You're fully approved We're preparing for settleme Amount approved Loan term Your letter is being generated O Settlement 30 Marrickville Rd, Marrickville Owner occupied Total loan balance $900,877 Total minimum repayments $4,000 monthly My home My loan Manage Calculate Applications auto decisioned same day² (proprietary) Time to first decision³ (proprietary & broker) Digital loan document usage4 (proprietary & broker) Applications settled digitally5 (proprietary & broker) ~70% ~3 days ~90% ~95% Customers using app Balance Min. repayments Current repayments -$580,000 $1,873 fortnightly $1,873 fortnightly to manage their loan6 >1m 1. Information relates to new home loan applications unless noted otherwise. 2. Proprietary home loan applications auto approved using an automated credit rules engine in 1H24. 3. 'Days' relates to business days. Application times relate to average first decisions for the 6 months (July to December 2023) for both simple and complex. 4. Home loan digital document and signing utilisation for eligible customers in 1H24. 5. Home loans settled digitally via PEXA in 1H24. 6. Number of unique customers using home loan features in the CommBank app (July 2023 to December 2023). 59

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