1H24 Financial Results

Funding Conservative settings providing flexibility - repaid $19 billion of Term Funding Facility 1 Long-term funding² % of total funding Deposit funding % of total funding 55% 75% 75% 19% 18% Short-term funding4 % of total funding 18% 26% 819 825 197 190 WAM³ 3.5yrs 5.3yrs 5.2yrs 96 96 7% 7% LCR & NSFR Liquid assets NSFR HQLA5 $180bn 121% Non-HQLA excess liquids $20bn Liquidity Coverage Ratio7 Net Stable Funding Ratio (ex. TFF)8 16 81 76 136% 118% 221 $bn $bn 75 $bn Jun 08 Jun 23 Dec 23 Jun 08 Jun 23 Dec 23 Jun 08 Jun 23 Dec 23 Dec 23 Dec 23 1. In 2023 CBA repaid $19 billion of the RBA Term Funding Facility (TFF) of which $18 billion occurred in the December 2023 half. 2. Long-term wholesale funding balances with a residual maturity greater than 12 months as at reporting date including TFF and RBNZ Term lending facilities with a residual maturity less than 12 months as at reporting date. 3. Represents the Weighted Average Maturity (WAM) of outstanding long-term wholesale debt with a residual maturity greater than 12 months as at reporting date including TFF and RBNZ term lending facilities. 4. Figures include 'other short-term liabilities'. 5. Spot as at 31 December 2023 (quarterly average $187 billion). 6. Investment grade liquid assets that do not qualify as High Quality Liquid Assets as defined in APS210. 7. Quarterly average. 8. NSFR numerator (Available Stable Funding) excludes the size of CBA's TFF drawdowns. Denominator (Required Stable Funding) increases weighting for TFF collateral by 55%, such that it receives the 65% RSF weighting applicable to unencumbered residential mortgages. 35

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