Investor Presentaiton

Capital structure to absorb losses CBA capital structure APRA requirements at 1 Jan 2016 % of earnings able to be used for discretionary payments1 Potential loss absorption 1H16 Cash NPAT A$4.8bn Total CET1 to satisfy PCR & CCB A$40.2bn CCB2 quartiles Management Buffer 100% 4th (PCR+3.5%) 60% 3rd (PCR+2.625%) 40% 2nd (PCR+1.75%) 20% 1st (PCR+0.875%) AT1 A$7.8bn T2 A$7.3bn 4.5% minimum plus any additional amount required by APRA 5 1 Discretionary payments include dividends, hybrid Tier 1 distributions and bonuses 2 The above example assumes the total Capital Conservation Buffer ("CCB") including the D-SIB buffer is 3.5% Commonwealth Bank of Australia / PERLS VIII Investor Presentation 0% CAN

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