1H24 Financial Results

Balance sheet composition1 CBA has stable, high quality assets and conservative funding settings. Europe Assets CBA has a stable, high quality asset profile: • US CBA • Assets Liab + Equity 6% Assets Liab + Equity Assets Liab + Equity 5% 6% 10% 16% 16% 31% 12% 23% . 30% 20% 22% 1% 24% 25% 7% 78% 71% 18% 64% 20% 56% 22% Illustrative bank as at 30 June 2023 17% Illustrative bank as at CBA 30 June 2023 31 December 2023 Personal & other lending² Net other assets³ Customer deposits Business and corporate lending² Wholesale funding HQLA Equity Home lending² High proportion of well secured home lending assets Very low proportion of higher risk unsecured consumer finance/personal lending HQLA primarily consists of cash and deposits with central banks, government and semi-government securities; all bonds held are fully hedged for interest rate risk Funding - CBA has proactively maintained conservative funding settings: • • Low proportion of short-term funding which provides flexibility through tighter financial conditions and to manage TFF maturities Long-term wholesale funding has a weighted average maturity of 5.2 years and is diversified by product and currency; track record of good access to global funding markets Large proportion of customer deposits funding including highest proportion of stable household deposits 1. Based on published peer bank Balance Sheet disclosures, with the exception of other assets, which are presented net of other liabilities, and HQLA which is based on Pillar 3 LCR disclosures. 2. Lending includes net loans and advances. 3. Include unencumbered marketable securities that do not qualify as HQLA, pledged securities and other assets net of trading and other liabilities. 114

View entire presentation