1H24 Financial Results

Higher rates unevenly felt Many households cutting back to adjust to higher cost of living Salary and wages 1,2 Year on year change, per customer Dec quarter, 2023 Spending 1,3,4 Year on year change, per customer 13 weeks to 7 Jan 2024 Savings 1,5 Year on year change trimmed, per customer 31 Dec 2023 Age, years □ Essential Discretionary 0.0% -1.5% 5.5% -1.1% 20-24 4.3% 25-34 35-44 5.2% 45-54 5.2% 55-64 4.8% 65+ 2.7% -1.1% 2.4% -2.4% 2.4% -2.1% 0.4% 3.1% 1.0% 3.4% 2.8% 4.0% 3.7% -0.7% 2.3% 6.5% 1. Consistently active card customers and CBA brand products only. 2. Paid into CBA transaction accounts, represents customers with payments identified as salary and wages after PAYG but before net tax return, excludes government benefits, excludes gig economy. 3. Spending based on consumer debit and credit card transactions data (excluding StepPay). 4. Essential includes communication, education, food goods, household services, insurance and other financial, medical and health, transport, and utilities. Discretionary includes alcohol, clothing and footwear, food services, general retail, household furnishings and equipment, personal care, recreation, and other miscellaneous goods and services. 5. Average savings balances for MFI customers. Includes all forms of deposit accounts (transaction, savings and term), home loan offset and redraw balances. Trimmed mean excluding top and bottom 5% of customers within each age band. 00 6

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