1H24 Financial Results

| Results overview Responsive to changes in our operating context, strengthening franchise Operating context Management response • Lower per capita disposable incomes • Supporting our customers, new offerings • • • Resilient economy, strong fundamentals Increased deposit competition Uncertain macroeconomic outlook • Strategic capital allocation & execution efficacy • Disciplined approach to volume/margin Strengthened balance sheet settings Strong organic capital generation Organic capital generated 1H24 vs 5yr avg² 1H24 financial outcomes Continued DPS growth Dividends Dividend per share (cents) 210 • Long-term franchise implications Leading customer NPS1 Extending leadership in Retail & Business MFI1 Increased share of industry NII, sector leading ROE Earnings stability under broad range of scenarios Strengthened balance sheet settings Balance sheet 215 Funding Provisioning ~$40bn ~$2bn Capital +200bpts ~$4.0bn $5.6bn 175 Average of last 1H24 10 halves 1H22 1H23 1H24 Short-term capacity Above central CET1 above & excess liquidity³ scenario4 reg. minimum 5 1. Refer to sources, glossary and notes at the back of this presentation for further details. 2. Average of the last 10 halves represents the average of organic capital generated in each half year period between FY19 to FY23. 3. Additional short-term wholesale funding capacity compared to historical average; plus excess liquidity invested in investment grade non-HQLA assets. 4. Represents the difference between total actual provisions held and the expected credit loss in the central scenario. 5. Surplus CET1 capital ratio in excess of APRA regulatory minimum of 10.25% under the revised capital framework effective from 1 January 2023. 25

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