1H24 Financial Results

1H24 result¹ Cash NPAT 3% higher vs 2H23 1H24 vs 1H24 vs $m 1H24 1H23 2H23 Operating income 13,649 ↑ 0.2% → 1.0% Operating expenses 6,011 ↑ 4.1% ↓ (1.2%) Operating performance 7,638 ↓ (2.7%) ↑ 2.8% Loan impairment expense 415 ↓ (18.8%) ✓ (30.5%) Cash NPAT 5,019 ↓ (3.1%) ↑ 2.6% 1. Presented on a continuing operations basis. Comparative information has been restated to conform to presentation in the current period. 27

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