1H24 Financial Results

Home - ra Home loans - fixed rate maturities Ongoing resilience across the portfolio Fixed rate expiry schedule¹ Expired 13 11 $bn 41 34 28 14 24 224 2% 29 Arrears 90+ day arrears Dec 2023 Savings 2,3 Year on year change, per customer 31 Dec 2023 Spending2,4 Year on year change, per customer 13 weeks to 7 Jan 2024 0.52% 16.2% 23 23 0.50% 17 20 20 21 20 6 6m to 6m to 6m to Jun 22 Dec 22 Jun 23 6m to 6m to Dec 23 Jun 24 6m to 6m to After Dec 24 Jun 25 Jun 25 Customer rate >= 3% Customer rate < 3% Rolled off Portfolio to CBA 5.7% 1.5% 1.2% Rolled off Portfolio to CBA Rolled off to CBA Portfolio 1. CBA including Bankwest, excluding ASB. 2. Consistently active card customers that held a CBA home loan as at 31 Dec 2023. Excluding Bankwest and ASB. 3. Savings includes all forms of deposit accounts (transaction, savings and term), home loan offset and redraw balances. 4. Spending based on consumer debit and credit card transactions data (excluding StepPay). 19

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