1H24 Financial Results

Operating income¹ Volume growth and higher other operating income offset by margin compression 13,623 $m 1H23 • Volume driven growth in retail, business and institutional fee income . Volume growth² Margin compression +4.2% (11bpts) • • Higher Markets trading and sales income (233) 259 Avg. volume growth Home loans Business loans³ 3% 10% Insto. loans (1%) Deposits 4% Net interest income Other operating income 2H23: +1.0% +0.2% 13,649 1H24 1. Presented on a continuing operations basis. Comparative information has been restated to conform to presentation in the current period. 2. Excluding liquids. 3. Includes New Zealand and other business loans. 4. Excluding Cash Management Pooling Facilities. 28

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