1H24 Financial Results

Disciplined approach to volume and rate trade off CBA gaining share of NII, generating long-term sustainable returns Change in share of NII +$390m Four largest banks 1,2 FY Sep 23 vs PCP +$70m ($160m) ($300m) Share of NII Four largest banks 1,2 Sep 23 Share of home loan NII Four largest banks2,3 FY Sep 23 0.5% 0.1% 31% Share of home loan NII4 25% 22% 22% (0.2%) (0.4%) CBA Peer 2 Peer 1 Peer 3 CBA Peer 2 Peer 1 Peer 3 Mar 22 FY Sep 23: 35.1% +0.5% gain vs PCP (+$80m) Share of home loan balances4 1. Defined as Net Interest Income excluding notable items as reported. Peer data as derived from publicly available disclosures. Represents financial years ending 30 September 2023. 2. Largest banks as defined by market capitalisation. 3. Major bank estimates derived from home loan customer rates per RBA statistics, minus indicative marginal wholesale funding costs (refer slide 112), multiplied by total home loan balances. 4. 6-months rolling share of NII and balances. Sep 23 30

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