1H24 Financial Results

Summary Customer focus, consistent execution, strength and stability Customers Net Promoter Score1 Rank Market share Rank Consumer #1 Household deposits #1 #1 Home lending #1 Consumer digital #1 Business deposits #1 Business digital #1 Business lending #2 • Supporting our customers and communities Capital and balance sheet strength, critical to support Australia • Consistent, disciplined execution Business Balance sheet Shareholders Total Shareholder Return4 Customer focus - building deeper, stronger relationships 1.64% 93% 12.3% $10bn surplus capital³ Period Rank Deposits + long-term wholesale funding 10yr #1 5yr #1 . Franchise strength - differentiation, extending leadership 3yr #2 Provision coverage² Funding profile CET1 1yr #2 Level 2 1. Refer to sources, glossary and notes at the back of this presentation for further details. 2. Total provisions divided by credit risk weighted assets. 3. Surplus CET1 capital in excess of APRA regulatory minimum of 10.25% under the revised capital framework effective from 1 January 2023. 4. Source: Bloomberg. Total Shareholder Return as at 29 December 2023, compared to major peer banks. 40

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