1H24 Financial Results

Strength - balance sheet Long-term conservative balance sheet settings 55% Deposit funding Long-term funding % of total funding Weighted average maturity, yrs 71% 75% 3.5 5.4 5.3yrs (ex. TFF) Liquid assets¹ Average, $bn 140 $187bn Capital CET1 ratio, Level 2 5.0%2 12.3%* 11.7%3 GFC Pre- COVID GFC Pre- COVID 50 GFC Pre- COVID GFC Pre- COVID Jun 08 Dec 19 Dec 23 Jun 08 Dec 19 Dec 23 Jun 08 Dec 19 Dec 23 Jun 08 Dec 19 Dec 23 1. Six month average balance as at June 2008, quarterly average balance as at December 2019 and December 2023. 2. Pro-forma CET1 under the capital framework effective up until 31 December 2022. 3. Capital framework effective up until 31 December 2022. 4. APRA's revised capital framework effective from 1 January 2023. 13

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