1H24 Financial Results

Strong settings - supporting sustainable returns Resilient under a broad range of scenarios Strong settings Loan loss provisions well above central + Conservative funding profile + Significant surplus capital scenario $6.06bn 100% $2.21bn 93% Deposits $3.85bn Central scenario and long- term wholesale After $1bn buy-back ~12.2% Surplus ~$9bn 10.25% Regulatory minimum Net interest earnings supported by reinvestment of ~$3bn each month at higher long-term rates $159bn $51bn Investment term of capital $108bn Replicating portfolio 3 year investment term 5 year investment term Short-term wholesale, 7% CET1 Pro-forma Level 2 Loan loss provisions Funding Supporting sustainable returns Strong organic Strong ROE supports + further franchise growth and capital generation capital generation +funding dividends and + growth; divestments funding buy-backs FY19 to 1H24 Healthy franking account surplus - dividend the only distribution mechanism 13.8% $61bn $61bn $1.7bn $11bn Divestments $7bn² Higher surplus $9bn³ Buy-backs $8bn Growth $50bn Earnings $37bn Dividend Franking neutral payout ratio -80% Structural deposits and equity hedges 1H24 Capital Capital Return on equity1 sources uses Franking account balance 1. Return on equity (ROE) is on a cash and continuing operations basis. 2. Increase in capital surplus against a minimum of 9.5% in June 2018 (as per APRA's announcement, 19 July 2017) and 10.25% in December 2023. 3. Excludes the completion of the remaining $846 million of the $1 billion on-market share buy-back. 38

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