1H24 Financial Results

Capital - total capital Capital Well placed to meet APRA requirements for loss-absorbing capacity (LAC) • Total capital at Dec 2023 of 20.5%, $10.6bn above 1 Jan 2026 requirement of 18.25%. • With 5.8% of Tier 2 at Dec 2023 CBA is well positioned to meet the 1 Jan 2026 LAC requirement of 6.5%. $bn 20.5% Jan 2024 Req. of 5% Jan 2026 Req. of 6.5% 18.25% 16.75% Risk Weighted Assets at 31 December 2023 Tier 2 Requirement 464 464 23.2 30.1 Tier 2 5.8% LAC 4.50% 3.00% AT1 2.4% 2.00% Tier 2 1.50% 2.00% 1.50% Existing Tier 2 at 31 December 2023 (5.8%) 1 Excess (Shortfall) (excluding Tier 1 capital excess) Maturities by 1 Jan 2026 27.1 27.1 3.9 (3.0) N/A 3.4 T2 Capital Profile2,3 CET1 12.3% 10.25% 10.25% Issuances ($bn) Maturities ($bn) Bullet 45% Callable 55% 22.0 CBA 31 Dec 2023 APRA requirement Jan 2024 APRA requirement Jan 2026 4.5 1.6 1.8 0.0 1.6 FY23 1H24 2H24 FY25 FY26 FY27+ 1. Inclusive of provisions eligible for inclusion in Tier 2 and Tier 2 regulatory adjustments. 2. Represents AUD equivalent notional amount using spot FX translation at date of issue for issuance and spot FX translation at 31 December 2023 for maturities. 3. Securities in callable format profiled to first call date. Securities in bullet format profiled based on capital treatment (including amortisation period). 129

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