1H24 Financial Results

| Credit risk Sound credit quality - modest uptick in arrears - TIA stable Loan impairment expense Loan loss rate, bpts1 Arrears² 90+ days 1H23 2H23 1H24 Personal loans Credit cards Home loans Consumer 11 12 7 Corporate 13 17 13 Total 11 13 9 Troublesome and impaired assets $bn TIA % of TCE (bpts) Historic avg³: 0.91% 0.72 0.70 0.53 0.46 0.49 Historic avg³: Dec 19 Dec 23 1.25% 1.19% 1.14% 0.95% 597 0.97% 7.1 6.9 511 6.3 0.94% 415 3.3 0.55% 0.60% Gross 3.2 3.0 0.65% impaired 0.52% 0.46% 0.52% 0.49% 0.43% 0.47% Corporate troublesome 3.3 3.8 3.7 $m 1H23 2H23 1H24 Dec 21 Dec 22 Jun 23 Dec 23 Dec 22 Jun 23 Dec 23 1. Loan impairment expense as a percentage of average Gross loans and acceptances (bpts) annualised. 2. Group consumer arrears including New Zealand. 3. Historic average from Aug 2008 to Jun 2023. 32

View entire presentation