1H24 Financial Results

Cash NPAT By division1 By RBS2 vs PCP BB vs PCP IB&M NZ (NZD)³ vs PCP vs PCP • Income (4%) • Income +4% Income +14% Income (8%) • Costs +3% • Costs . • Impairment expense -$24m • Impairment expense +3% -$53m • Costs +2% Costs +6% • Impairment benefit -$2m Impairment expense -$39m (8%) +6% +28% (13%) 2,915 2,666 2,687 1,846 1,893 768 1,778 589 589 677 672 459 $m 1H23 2H23 1H24 1H23 2H23 1H24 1H23 2H23 1H24 1H23 2H23 1H24 Cost-to- income 34.6% 35.5% 37.1% 31.9% 31.1% 31.7% 47.3% 40.3% 42.2% 35.4% 40.5% 40.8% 1. Presented on a continuing operations basis. Comparative information has been restated to conform to presentation in the current period. 2. Includes Bankwest Retail, excludes General Insurance. 3. New Zealand result incorporates ASB, and CBA cost allocations including capital charges and funding costs. The CBA Branch results relating to the Institutional Banking and Markets business in New Zealand are not included. 65 55

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