1H24 Financial Results

Home loans - resilience | Home Modest uptick in arrears, however remain low Arrears by portfolio Group 90+ days Bankwest CBA Arrears by product 90+ days1 Owner Occupied Investment Loans Group ASB 1.0% 1.0% 0.8% 0.8% 0.8% Arrears by repayment and interest type 90+ days1 Principal & Interest Interest Only Fixed Variable Portfolio 0.6% 0.6% 0.6% 0.4% 0.4% 0.4% 0.2% 0.2% 0.2% 0.0% 0.0% 0.0% Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 Arrears by year Group 90+ days 2019 Arrears by state NT WA Arrears by vintage 2020 90+ days1 QLD 90+ days1 2021 SA 2022 AUS TAS 0.8% 2023 2.00% 1.0% FY17 VIC NSW 0.8% 0.6% 1.50% ACT 0.6% FY19 FY18 0.4% 1.00% FY22 FY16 0.4% FY23 FY20 0.2% 0.50% 0.2% FY24 FY21 0.0% 0.00% 0.0% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Dec 21 Jun 22 Dec 22 Jun 23 Dec 23 0 6 12 18 24 30 36 42 48 54 60 66 72 Months on Book 1. CBA including Bankwest. Excludes Lines of Credit, Reverse Mortgages, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. 100

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