1H24 Financial Results

Cost approach Ongoing productivity savings creating capacity for long-term investment Investment spend 597 Cumulative savings (last 5 years) Cost reduction 673 761 $m 1H23 2H23 1H24 Cost approach Continued focus on productivity & growth Capitalised software ($bn) 1.9 1.8 1.7 1.9 2.0 1.3 1.4 1.4 • Simpler, more efficient business for our customers and people FY17 FY18 FY19 FY20 FY21 FY22 FY23 1H24 1,035 988 Continue to invest in the business 963 1,035 988 963 47% 45% 46% . Strengthen our digital and technology capability for future growth Productivity & growth 529 479 496 Capitalised Infrastructure 23% 22% 23% & branches Deliver long-term sustainable 484 506 492 Expensed shareholder returns 32% 31% 31% $m Risk & compliance $m 1H23 2H23 1H24 1H23 2H23 1H24 78

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