1H24 Financial Results

Operating expenses¹ Inflation driving cost growth - technology and other costs more than offset by productivity Cost to Income 42.4% 44.0% Contribution to mvt: +4.8% +1.4% +0.7% (2.8%) 43 (164) +4.1% 80 279 6,011 5,773 $m 1H23 1. Presented on a continuing operations basis. • Insourcing of engineering and technology capabilities • Higher software license and cloud computing volumes • Increased capitalised software amortisation Cumulative cost savings realised (last 5 yrs): 1H24: $761m 1H23: $597m Inflation Technology related uplifts Other Productivity 1H24 31

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