1H24 Financial Results

Other operating income¹ Higher trading income and fees Other operating income • 2,245, 2,093 1H24 vs 1H23 Non-recurrence of losses on assets held at fair value in 1H23 Non-recurrence of weather event related 185 1,986 insurance losses in 1H23 148 Other² 103 • Higher Structured Asset Finance rental income, partly offset by 609 • Trading 513 582 Reduced gains from Treasury liquid asset sales • Higher trading gains in Markets 404 Lending fees 357 396 Favourable XVA, partly offset by Lower Treasury earnings Higher retail and business lending fees • Higher institutional lending and loan syndication fees Trading income 609 582 513 234 239 Trading 221 • • Commissions 1,013 967 1,047 Increased volume driven FX, cards and deposit income Sales 322 352 381 • Higher volume driven institutional fees, partly offset by $m 1H23 2H23 1H24 Lower CommSec equities trading and merchants income $m Derivative (30) (9) (6) valuation 1H23 adjustment 2H23 1H24 • • 1H24 vs 1H23 Higher Markets trading gains from Commodities and Carbon portfolios, partly offset by lower trading income from Rates and Fixed Income, and lower gains from Treasury activities Higher volumes across a number of Markets desks Favourable XVA 1. Presented on a continuing operations basis. Comparative information has been restated to conform to presentation in the current period. 2. Includes funds management and insurance income. 74

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