1H24 Financial Results

Funding overview Conservative funding settings maintained, flexibility through tighter financial conditions Funding composition Deposit growth supporting 75% of funding Wholesale funding Weighted to long-term Funding profile TFF refinance to be managed across FY24 - FY25 period Maturity³ 74% 70% % of total funding Short-term wholesale1 7% 7% 7% 26% 18% 18% 18% 44% Long-term 19% wholesale 75% 75% 75% Deposits 55% Jun 08 Dec 22 Jun 23 Dec 23 Jun 08 Jun 23 Dec 23 1H24 issuance 74 5.3 WAM² (5.5yrs ex. TFF) 5.2 WAM² (5.3yrs ex. TFF) 43 25 27 26 17 $bn Dec 23 Jun 24 □ Senior Debt4 Covered Bond Jun 25 Jun 26 Securitisation Jun 27 AT1/T25 > Jun 27 TFF/FLP Liquidity metrics Indicative wholesale funding costs³ Liquid assets NSFR LCR7 bpts Qtr. Avg. ($bn) 167 $180bn spot 118% ex.TFF6 123 155 109 117 150 136% 96 105 121% 189 187 Excess $151bn Excess $50bn 72 77 93 115 72 104 100% Cash 112 91 Regulatory minimum Gov, semi 5559 93 50 64 36 77 96 & other Jun 23 Dec 23 Dec 23 Dec 23 1 year 2 year 3 year 4 year 5 year 10 year Dec 22 Jun 23 Dec 23 1, 2, 3, 4, 5, 6, 7, 8, 9. Refer to sources, glossary and notes at the back of this presentation for further details. Sources and uses of funds 6 months to Dec 23 $bn 17 (18) 10 5 (10) 6 Equity Long term issuance maturities9 Long TFF Short Other Customer Lending term maturities term short deposits wholesale term funding funding Other incl. trading & liquid assets 112

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