1H24 Financial Results

Engaged customers Strong customer engagement creates deeper relationships – key driver of growth - Retail Dec 23 MFI share¹ 16.5% 12.0% 11.9% Peer 3 Peer 2 Peer 1 34.4% 34.7% 35.0% ↑ Retail transaction accounts² Home loan balances³ Home loans linked vs Dec 22 +6% to a transaction account >97% 10,949 10,288 541 552 9,578 515 '000 $bn Dec 21 Dec 22 Dec 23 Dec 21 Dec 22 Dec 23 Dec 21 Dec 22 Dec 23 MFI share¹ Dec 23 26.3% 18.9% 17.7% 16.5% Peer 3 Peer 2 Peer 1 Business Business transaction accounts Business loan balances Business loans linked vs Dec 22 +10% to a transaction account -90% 135 24.7% 23.2% 1,003 1,088 1,197 122 109 '000 $bn Dec 21 Dec 22 Dec 23 Dec 21 Dec 22 Dec 23 Dec 21 Dec 22 Dec 23 1. Refer to sources, glossary and notes at the back of this presentation for further details. 2. Total retail transaction accounts, excluding offset accounts. Includes Bankwest. 3. Source: RBA Lending and Credit Aggregates. 47

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