1H24 Financial Results

Home loans - resilience 1,2 Median minimum repayments represent 22% of pre-tax income Average minimum monthly repayment³ $491bn 76% Variable rate loans 6% Fixed rate loans scheduled to roll-off by Jun 24 Fixed rate loans scheduled 14% to roll-off after Jun 24 Other² 4% Dec 23 $1,850 $1,250 0.10% $1,900 $1,950 4.35% 4.60% 4.85% Cash rate Median monthly repayment as % of pre-tax income³ 15% 22% 23% 23% 0.10% 4.35% 4.60% 4.85% Cash rate 1. CBA excluding Bankwest unless otherwise stated. 2. Includes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. 3. For cash rates 4.60% and higher, fixed rate accounts expiring by June 2024 have had their repayment forecast based on a projected variable rate. 93

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