1H24 Financial Results

Home loans - resilience 1,2 Targeted support for customers in the highest risk segment (~0.4% of book) Exposures with the capacity to deleverage or reduce expenditure³ Exposures largely consisting of loans that originated prior to July 2019, have strong repayment buffers (>12 months), or low debt servicing and debt to income ratios لها Portfolio $491bn 5% 8% 83% Other² 4% Dec 23 Risk profile $26.5bn4 $1.9bn (0.4%) 5 DLVR > 90%, no LMI Higher risk $3.2bn (0.7%) 5 DLVR 80-90%, no LMI $2.5bn (0.5%)5 LMI $18.9bn (3.8%)5 DLVR <80% at 4.35% cash rate 1. CBA excluding Bankwest. Unless otherwise stated. 2. Includes Line of Credit, Reverse Mortgage, Commonwealth Portfolio Loan, Residential Mortgage Group and Unloan. 3. Predominantly investors or have lower repayments. 4. Monthly repayments have been estimated at 4.35% cash rate for variable rate loans and fixed rate loans scheduled to roll-off by June 2024. 5. Proportion of overall portfolio of $491bn. 95

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